Trannys will get very hot too.
The main factor is gasoline in your oil. Yes, there can be gasoline in your oil.
On start-up, your pistons are not completely sealed witin the cylinder walls. You get blow-by, and normal compression loss, past your piston rings. Your oil get contamininated by those gasses. It will produce acids.
The tranny does not create that dirt in the system, neither does the differential.
Tom