"Normal operating temperature" is your antifreeze, not the engine oil. Usually, the temperature gauge will start to rise within 1 mile, depending on ambient temperature of course. And your ECC will start to blow warm air.

What we are talking about is cold outside temps and the inability to get the engine oil hot enough to 'burn off' contaminates. Above 180F, water starts to steam and will leave the crankcase through the breather system. Above 212F, all of the water will turn to steam and leave the oil water free. A cool engine will not have the ability to get the water out of the oil, the water collects with other contaminates present in the oil and winds up as white specks on the dipstick.

Don't forget your poor exhaust system which is also filling up with water. I have seen cars going up hill pouring cups of water out of the exhaust! No wonder the mufflers rust out from the inside.

Klaus
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Proud owner of a 220S. If I had more room, I would have more Volvos.