Don't cut yourself too short. Better to be done way early and cooler than to be sweating having it done. Don't be afraid to have it coolered for 3-5 hours.
If you have a smallish cooler (for one butt) just fill the rest of the space with old towels.
If you realize it will be in the cooler for 2 or more hours I would consider pulling at 195. It is going to continue cooking for quite a while.
Best of luck bro...
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Smokin Gators BBQ Team
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