from monitoring the intercooler temps vs ambiant temps on the street, I have noticed the intake temps climb pretty quickly under acceleration in 2nd and 3rd gear. Also, if you sit in a drive-thru or lots of traffic, the intake charge temps climb and stay high until you can get sustained driving above 40mph. I spent the second half of last week watching the temps under different conditions. Cruising on the highway, the intercooler is doing a perfect job, but that is because the speed is high and load is low. Low speed/high load and the intercooler starts to fall behind.
What I am doing until it is time to buy an intercooler, which may be sooner than I wanted, is to wrap all the intake tubing in gold foil and seal the factory intercooler to the front bumper. It is already pretty well sealed from the factory, but could use some extra material added between the shroud and bumper cover to completely seal it off. If you can make sure every bit of air passes thru the intercooler and not around it, that will help.
The direct fit intercoolers are expensive and are a tough part to swallow. If you look at price per cubic inch, the Cobb intercooler is the best deal. For ones that require a little modification, the Focus ST and Mishimoto J-Line look to be the best option. I don't think anyone has actually tried the Focus ST intercooler, and I have found very little info on what is involved to install the Mishimoto. I may try the Focus ST FMIC in the spring, depending on how much I can find one for. Right now, used ones are going for as much as a new one.