I don't fiddle with the overdrive in mine (2009 D40 auto dualcab). In overdrive, the torque converter will lock if the accelerator is held under 50%, which means every revolution the engine does is directly transmitted to the rear wheels. If the thing unlocks, it returns to its "fluid drive" state.
Torque convert lockup is done by the TCC solenoid, controlled by the TCM that rests inside the bottom of the auto box, plugs are on the side with connection to the ECU to provide signals re speed, engine load, accelerator position etc.
At 75km/h or more, with throttle <50%, in overdrive, the TCM will activate the TCC and gradually lock the converter. It takes about 5-10secs for this to occur.
I really like it when it happens, because it's a direct drive. It also means I'm not pushing hard and I'm saving fuel.
The Navara seems to like about 95km/h - about 100km/h indicated on the speedo, give or take - or RPM at about 2,000, which is about where the engine's torque climbs up rapidly due to the turbo coming on strong at that point (give or take a little).
Still, we're using 17-18LPHK when towing our full van (1.8T, pics in my garage). It's a double axle, electric brakes with proportional controller - a must have with heavy tows. I'm not unhappy with that, but would like to try being even more gentle. At Christmas we're doing over 7,000km in a round trip, I hope I can improve on those figures!