I think Julie has covered most things.
Aluminium is the only thing I cut with some fluid, small jobs just brushed on paraffin, and for larger I add the liquid to the air as I don’t want to stand there for a couple of hours brushing it on.
All use air to keep the chips out the way.
Uncoated ali specific cutters and climb cutting for me.
You don’t give cut details but generally if using the full width then the feeds need to be quite a bit less than if using just the edge particularly as the cutters get small.
Not sure what you looked at on F360 but a 3mm in aluminium comes up at 12,000rpm and a feed of 1200mm/min so your 20K was fast and the feed slow for that given spindle speed. They also assume flood cooling for those rates so you need to adjust them for dry or minimal lubrication and chip clearance.
I’d only be using a 3mm if the job specifically needs it such as where a larger cutter won’t fit or I want to leave a small internal fillet. Even then I may rough with a 6mm and then go back and do rest machining with a smaller cutter.
If in doubt start with a conservative feed and if all is going well you can overide the feed as the job progresses but do watch out as certain path types will do a full width cut first as they start a new area before stepping over and it is those that can often catch you out and start th ebuild up.