45 mph was the threshhold in my F350 with 4.10 gearing. It's more like 50 mph in my Cheby with 3.73's.
It's really pretty frustrating in the Chevy because it takes FOREVER to get things warm enough for the torque converter to start locking. And until it does, fuel economy sucks worse than it does when it is locked.
Which reminds me. The 5-speed automatic in the Chevy truck is effectively an 8-speed. The TC will lock in 3rd, 4th, or 5th.