It's too bad there's not a rule of thumb provided anywhere, but I think with a little science we can figure it out for ourselves!
I did a quick google search and have found charts that graph the dissolved oxygen content in water at different temperatures.
View attachment 129654View attachment 129655View attachment 129656
Their numbers seem pretty comparable. Looks like they all agree that by 35 degrees Celsius (95 degrees F), the oxygen level is around 7-8 mg/liter.
We can assume that most freshwater bodies are colder than our little ponds get in the summer. It would be very unlikely to find a river that was as high temperature as 95 degrees. We can assume, I think, that goldfish and koi are probably most comfortable with oxygen levels around 60 degrees F (15 degrees Celcius). Based off my review of the charts above, that's about 10-11 mg/L.
So, I'd say that 95 degree water has about 70 percent of the dissolved oxygen that the fish would consider "normal." The one final factor to consider, then, what oxygen level is
too low.
Here's a link to a paper that suggests that when levels fall below 4 mg/L, many fish species begin to struggle:
https://agrilifecdn.tamu.edu/fisheries/files/2013/09/Dissolved-Oxygen-for-Fish-Production1.pdf
This article here states outright that Koi need 6 mg/L of disolved oxygen:
https://www.hydra-aqua.com/oxygen-needs-for-fish.html
This article here states that in ponds you should check the disolved oxygen levels using a meter:
https://aquapona.co.uk/do-fish-need-oxygen/
I think getting a meter and keeping the DO saturation at least 6 (but better if it's 7-8) is your best plan rather than relying on a specific temperature. But if you did want a temperature, I'd say you want more aeration the more your pond climbs over 60 degrees.
Hope this has been helpful!