While warm water loosens up dirt quicker, cool or room temperature water will fade the water soluble inks less quickly. I suggest using cold tap water, and if there's ink on the card from a pen or a stamp, watch it for a few minutes, to see if that ink starts dissolving or bleeding. And change the water more often.
I've not soaked a triple folder, but I think they would soak just fine. I've only owned one of those. If you have more than one, soak someone other than the Cobb, first, just to see how it goes. Seems to me that they're contemporary with T205's, 6's, and 7's, and from similar material, so they should soak just fine.
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