I always CPOP, so my bars are brighter but less creamy than people who don't gel. From the water/lye perspective it seems like the more water you use, the more likely it is to heat (and thus gel) and vice versa, all other things being equal, but I don't have much personal experience with preventing gel. If you really want to use a 50/50 mix (which I wouldn't, based on my post above), I'd soap at RT if possible and then immediately put the loaf in the fridge/freezer.
If I wanted a creamy bar of soap I'd just use a normal lye concentration (33% if you're not that experienced), soap at between RT and 100F, use a non-accelerating FO, and put the loaf in the fridge without insulation.