I was looking at carrying out my proposal above. The first comment I have is there is some confusion in notation with the same name being used for 3-vectors / tensors and 4-vectors.
There are a few things that still puzzle me about the notation for the 3-vector form of the Cauchy momentum equation, though. I'll work through what I have, it may be helpful.
If we stick with cartesian coordinates in an inertial frame, we can write the energy equation (not neeed ) from ##\partial_a T^{ab} = 0## in terms of the 4 dimensional rank 2 stress energy tensor T as:
$$\partial_0 T^{00} + \partial_1 T^{10} + \partial_2 T^{20} + \partial_3 T^{30} = 0$$
Then the three momentum equations are:
$$\partial_0 T^{01} + \partial_1 T^{11} + \partial_2 T^{21} + \partial_3 T^{31} = 0$$
$$\partial_0 T^{02} + \partial_1 T^{12} + \partial_2 T^{22} + \partial_3 T^{33} = 0$$
$$\partial_0 T^{03} + \partial_1 T^{13} + \partial_2 T^{23} + \partial_3 T^{33} = 0$$
We can break down the 4-tensor T into the following:
##\rho ##, a number, equal to ##T^{00}##. Because we are doing a non-relativsitic analysis, ##\rho## doesn't depend on the frame of reference, though in a true relativistic analysis it does.
j, a three-vector defined as
$$j = \begin{bmatrix} T^{01} \\ T^{02} \\ T^{03} \end{bmatrix}$$
In the non-relativistic version, j is the non-relativistic momentum ##\rho u##, where u is also a 3-vector.
Finally, we have F, a rank 2 3-tensor, which I am defining as
$$F = \begin{bmatrix} T^{11} & T^{12} & T^{13} \\ T^{21} & T^{22} & T^{23} \\ T^{31} & T^{32} & T^{33} \end{bmatrix}$$see for instance the wikiepdia image
<link> for motivations for this breakdown of T into \rho, j and F
we see most of the conservatio form of the Cauchy momentum equation from the wiki
<link>
$$\frac{\partial}{\partial t} j + \nabla \cdot F = s$$
What's a bit of a mystery is why ##F = \rho u \otimes u - \sigma##, in particular the minus sign of ##\sigma##. The ##\rho u \otimes u## makes sense to me, it's just the dynamic pressure in the conservation form of the stress-energy tenso in the frame where ##\rho## is moving, though I'm not sure if that description will make sense to others. What I don't quite understand is the minus sign in ##\sigma##. I thought ##\sigma## was just a 3x3 submatrix in the 4x4 stress energy tensor, but perhaps there is some sign difference? Or maybe I'm missing something else that accounts for the sign.
Additionally, the approach I used doesn't really incorporate the body force s, due to ##\rho g##. By using an inertial frame and no gravity (we can't do gravity with flat space-time), the divergence of the tensor is zero, not s. I assume g here is "gravity" (I usually use g for the metric tensor, not gravity). However, it's not really a surprise to find ##\rho g## on the right hand side rather than zero. Use of a non-inertial accelerating frame to simlulate "gravity" and replacing the ordinary derivative with the covariant derivative might be one way to resolve the issue, but I suspect it'd be not worth the effort, as my treatment of accelerated frames would be based on 4-vectors, and the goal is to express the expression in a 3-vector form.