i just can't understand why the lower and rad feel cool to the touch when the fans are "stuck" on?
It's quite possible. The sensor for the ECM fan control is in the water pipe at the top of the engine. It's measuring the temperature of hot coolant as it comes out of the block.
The bottom hose of the radiator is the "cool" return to the engine. Coolant flows from the water pipe to the radiator where it is cooled, especially when the fans are on. If the outside air temperature, flow rate through the radiator, and the fan speeds are all right, the coolant can well be cooled down to close to ambient temperature and would feel cool to the touch in the lower hose.
The cooled coolant goes from the lower hose to the thermostat and then to the pump where it is returned to the block. But the thermostat sensor is on the engine side, and in the path of coolant going through the continuous flow bypass circuit (water pipe, cabin heater core, thermostat). The bypass will still be providing hot coolant which will keep the thermostat open at least partially. Even though the lower radiator pipe feels cool, there might still be coolant flow through it.
So, the coolant at the top of the engine, in the water pipe, is too hot. This coolant passes through the radiator and is cooled by the fans. The cooled liquid continues to flow because the thermostat sensor is responding, in part, to the hotter coolant coming through the bypass circuit.
could it be sucking air or loosing coolant forming a air pocket when hot?
If the coolant is low due to a slow leak, the remaining coolant has to absorb the same heat, so it will tend to be overheated. This will cause the ECM sensor to turn the fans on. The fans and radiator might cool the liquid sufficiently as it passes through the radiator, but on it's return to the block it gets extra-hot again.