I misspoke in that sludge is primarily due to cold weather stop & start driving (short trips) which increases oil contamination.
Umm wrong. Sludge happens at high temperature, not at high load. I happily shift into 5th at 35mph, no lugging. Mind you, the streets I take are pretty flat. I can keep up with traffic no problem. Traffic on the main streets I take rolls along at 40-45mph (in a 30 zone)
But lugging is to be avoided due to premature engine wear.