ive got 4-D, am I just an idiot? one down from that is 3
Yea. Torque lockup is different from the gearing. Toyota designed lockup to happen in both 4th and 5th, I would imagine, to help specifically with towing. In 4th, you still get the lower power band needed for heavy towing and the 5-10% added MPG efficiency you get from torque lockup once at highway speed. When it locks up, it essentially acts like a solid drive line and eliminates the energy loss that occurs via the fluid connection.
It should go into lockup as early as 2nd gear depending on fluid temperature, engine load and throttle position.
No, the A750f does not fully lock in 2nd gear. There is flex-lockup in all gears which uses various hydraulic pressures in the TC to improve efficiency and shift smoothness. The A750's will only completely lock in 4th and 5th.