when you say 95% frive out of overdrive, i assume you mean you do alot of 30-42 mph driving.
simply put LOCK-UP is where the Torque converter "locks" to transmit 100% of the power to the axles, as opposed to the torque converter using fluid to transmit motion, it locks together (someone jump in if i am wrong here)
AND you can achieve lock-up in 3rd gear (1:1), just click the o/d of button on the column shifter. i do that when i go through my back roads where i live, seat of pants acceleration goes way up
test lock by driving 60 or so and while gas still applied, tap the brakes, if RPMs goes up couple hundred and then back down, that was unlock and lock again