A gas turbine engine includes a fan, a compressor section, a combustion section, and a turbine section. A fan drive gear system is configured for driving the fan at a speed different than the turbine section. A lubricant system includes a lubricant pump delivering lubricant to an outlet line. The outlet line splits into at least a hot line and into a cool line. The hot line is directed primarily to locations in the gas turbine engine that are not intended to receive cooler lubricant. The cool line is directed through one or more heat exchangers at which the lubricant is cooled, and the cool line then is routed to the fan drive gear system. At least one of the one or more heat exchangers is a fuel/oil cooler at which lubricant will be cooled by fuel leading to the combustion section. The fuel/oil cooler is downstream of a point where the outlet line splits into the at least the hot line and the cool line, such that the hot line is not directed through the fuel/oil cooler. A method is also disclosed.