Very interesting subject, a bit long to read but very interesting...
Sure that if outside Tº remains low the oil should not overheat even in traffic, but bikes are developped for every country so they are fitted with this device.
I am currently living in Spain, near Barcelona, and if you use such bike here without its oil cooler you might fry the oil.
One good hint is that the coolant radiator of the zxr4 seems to be quite oversized, even while racing the bike, so why not using it to cool down the oil instead of using a separate radiator?
Since the engine has an external oil filter, it should not be difficult to adapt an oil-coolant intercooler from such bike as the zx6r
I think theese are called "modine", you just need to get one with the part where the filter does screw in (I don't know how it is called), this part should be of the same diameter than zxr4 one (standard), but larger to acomodate the intercooler.
This requires to check if the exhaust allows the oil filter to be moved around 2 inches, eliminate the oil radiator + tap the holes and connect a couple of coolant hoses to the coolant radiator.
With this kind of intercooler you will heat-up a little the coolant Tº while cooling down the oil, and it eliminates all the risks of a leaking oil radiator.
Oil and coolant heat up is more homogeneous, since it helps the oil to heat up faster, and the oil's heat exchange is regulated through the coolant thermostatic valve + fan.