About the stacked rad, Gabe came up with that idea mainly for peeps that need more cooling and are tight on space.
In a good (not great) watercooling loop you'll see a 5c increase or so depending on tons of different conditions in air temps from incoming rad air to outgoing rad air. Mainly your fannage matters.
Taking that into account, the second rad still gets cooler air than the water temps in the second rad. You still will remove heat with the second rad, but at less efficiency. I like to say 20% from what I have read about rads in this setup.
Don't look a lot at the in/out water temps. It's the air in/out we get heat reduction. The golden word is the Delta T. Water temp vs the ambient air temps. That said, my summer temps suck big xxx. I deal with room temps of 30C in the summer. I gotta go big rad to stay decent Delta T. One reason we always ask... what's your ambient temps in the summer?? before we set on rad size choice.
Grieg, here is the poop on solid info on air/water temps. The link is to an MCR320.
http://martin.skinneelabs.com/SwiftechMCR320-Review.html
Scroll half way down and you can see the in/out air diff on the chart. It depends, like I said on fannage what the out air temp vs the in temp is.
You can also see the water in/out is very close in temps. No more than 1.5 C. Amazing eh? I thought so too once I deciphered the charts.
So if you put a second rad with good airflow, you still get good results. Fannage needs to be higher to compensate for the increased air restriction. Meaning double fans on the rad setup, but it's a viable solution.
Equilibrium (tough word) means with a set heat load (idle/load) after an amount of time temps in a WC loop wil stabilize. The heatload is the same, ambient air is the same, fannage is the same, pumps are the same, size of rads are the same, temps will stabilize for those conditions. Any of these parameters change, it has to stabilize. Thats Eqspelling hard word.
So double raddage can help, it's not the most efficient, but short on room, Gabe (Swiftech boss) has made a nice nitch product.