Denny,
"Lager" is a term used very loosely in Australia, where the Coopers kits are made. Technically, to Lager a beer is to store and condition it under strict temperature conditions - you are quite right. However, Coopers reccommends fermenting their "lager" at 21 to 27 deg C, or 70 to 81 F.
This will be a very drinkable batch of beer, even if not competition standard. I was hoping that the original poster would not get discouraged, and would continue to make beer.
Talk of $4000 kits, which you have quashed, and strict adherence to procedures and terms chases new guys away.
Love reading your posts, Denny.
Red