You are right on the 4 row. I ran some quick numbers, and you will probably get as good or slightly better cooling with a 2 row 26" than a 3 row 22". Each of the 2 rows will get cooler air than the 3rd row of the 3 row rad, the overall airflow rate will be higher with most fan setups, and these factors makes a big difference when the air temps get high and you are working with small difference in ambient air vs. coolant temps. A 26" 3 row will for sure cool more than a 22" 3 row.