When do most vehicles overheat? Stop/start traffic. Loading up generates the heat, then stop and you lose the airflow to get rid of the heat. Not just the airflow through the radiator and intercooler but also engine bay. I remember a friend had an early EXA turbo and kept destroying turbos every 12 months. After the 3rd one he found out that there was a problem with his thermo fan timer. It was supposed to run for 10 minutes after shutdown to keep airflow in the engine bay. His didn't and gradually killed the turbo.
Any cooling when stopped will help.

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