When it comes to shrouds they must fit or be made to fit. You can move the fan on a spacer or you can get a new shroud and make it fit.
lovers were used as back in the day they had little option as there were not many good efficient higher capacity radiators that would fit. Today there are so loungers are for show today most times.
you want to avoid lovers if you drive in weather as water on the engine is not a good thing.
While I have never measured the ATF temperatures myself to see the difference, the general consensus is that you run the the fluid through the radiator first, then to the trans cooler.
Unless I missed it (amongst all of the excellent input from others), I spotted a comment that raised my antenna: @MickeyB mentions that the Jeep has a "stock Chevrolet" water pump. Depending on age, total hours of run time, water and/or coolant condition , and just plain old quality of the part to begin with, water pumps (or at least the impellers) can wear and ever wear out. This can mean that while they are still circulating water, they may not be doing it quickly enough to sufficiently keep the flow through the engine and radiator to give optimum cooling. Flow rates can be tested (generally best done at a radiator shop). Some pumps can be rebuilt. If not, replacements are relatively inexpensive. Probably best of all (from flow standpoint) is changing to an electric water pump.