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My 95 F150 has a 4 spd auto with an overdrive, and T in the vin code. I've also seen an 86 F150 with a 4 spd auto with an overdrive. If its the original tranny, it should be an overdrive. Some of the newer ones, like my 95 have Ford overdrive embossed into the bottom of the tranny oil pan.
I don't believe that door sticker decoder in the articles above to be entirely accurate. It says the T code is from Rangers only but I think that is incorrect... A T code transmission should be an AOD or AODE, one of the two.