lizzyhermit,
It's the other way around. The transmission will not shift into overdrive until it reaches a minimum temperature.
During spring, summer, and fall, this almost is never a consideration. After a cold start in 20 degree (or so) weather, my 1995 truck needed about a mile or two before the transmission was warm enough to shift into overdrive.
I don't know what the temperature setting is.
Loren