I ran custom tuned for several months on the stock intercooler. It doesn't really cause issues during daily driving. You can sort of feel it over sustained pulls, but by that time you're well over the speed limit. The stock FMIC recovers rather well from my experience, which I observed on track this past Sunday. Ambient temps were about 80 F and the charge temps were bouncing between 90F and 110F. The higher number was when I was WOT for about 1/3rd of a mile down the largest straightaway on the track and hard into a braking zone after that. Managed to reach a top speed of 99.8 mph in that straightaway before having to brake on the stock tune. It recovered pretty well off throttle during braking zones and under light to medium throttle, which I had a lot of instances of on this track. There was definitely some heat soak, but I don't think it took THAT much power out of the car that it would have really upped my performance notably since I was making up most of my time by dive bombing apexes to catch up to faster cars; which the car did VERY well at. It might have let me taste that sweet, sweet 100mph glory on that straightaway, though.
At autocross I've only ever broken 100F on charge temps when ambient itself was very near that.
I think you can live without it. It's not an immediate need, especially since you're not intending on tracking it. You should probably tighten the worm drive clamps though so you don't blow a charge pipe off.
