You won't have a starting issue with the 6.2. It'll make a bit of noise for a few seconds when it first starts but that's it. I react the same way at those temps though, gasp for a few seconds, then I'm good...

I don't disagree with you though that it would benefit from warmer oil on mornings like that. Looking on fordparts.com, it'd be about $200 to add the element ($50) and cord ($150) yourself.