ya la bro...
plug it in and if u dont feel good,put it up for sale in here.
i know people will fight each other for your used cooler.
come to think abt it,why dont u go for the easiest to install and one that reduces complicated joint and possible leak in the piping system?
both will work but the stacked fin is better as the fluid contact point is increased.i dont think it restrict flow.i said this because if u combine the fins,u will get a comfortable space in total for the atf to flow.
just take the radiator for example.go ahead and opem the cap then rev the engine to 3k rpm.does water comes gushing from the radiator?nope,because it has lots of the small water way or fins.
another example.200 people in a room and u ask the to get out using one door,it will be messy.flow is slow and there will be bottleneck at the door.
same scenario but provide 5 door for them to get out.flow is better.
so,stack fin does not affect pressure.