Engine oil and transmission fluid (both HST and automatic vehicle) are the life blood of a vehicle.
My current truck was about $40-50k about 10 years ago and about $65k to replace a 2500hd diesel pickup now. Is $2500 in maintenance over 10 years really a big deal to worry about cost wise? Compared to a $4500 tranny rebuild or a $8500 engine rebuild?
I replaced all my fluids in everything at 5-10k miles. Manufacturing leaves a lot of shaving and break in wear leaves a lot of dust. It can't do any good to keep that in there for 100k miles so it gets changed.
My truck transmission has a spin on filter that gets changed about every other oil change. The Allison filter costs about $8. I think the manual calls for 25k but I change it about every 15k.
Computer says the engine oil is good for 10k miles. I get about 6-7k miles From top full line to the bottom add more line. If I fill it back up, I only get a couple thousand more miles before I have to add more Engine oil. I do used oil analysis and while it says it's still good for more miles, I believe that if it is using more, something is different about it, so I Change it around every 7500-8500 miles (before the manual calls for).
Transmission Fluid.... How often you change it depends on how you treat it. Heat and contamination will kill it. Oxidation over time will kill it. Heat oxidizes it faster. The additives in get used up. There is a reason the additives are in there, and they sacrifice themselves instead of the expensive transmission. On my truck it's as easy as an oil change to pull the plug and drain the pan, getting 50% of the fluid. Power flushing is absolutely prohibited in my transmission because it forces contaminants and debris into places it shouldn't be. Just drain it and refill. I forget how often the many calls for it, but I do it about every 50k. It's not hard, and it's not that expensive, but clutches in an auto transmission give off debris and you don't want that in the tranny for life. When it oxidizes, it turns to varnish. Fresh fluid has solvents to clean that out and additives to keep it in suspension.
Unless you have upgraded the filter with a bypass filter, Why wouldn't you change it regularly, if not slightly early but at least on the manufacturers schedule? Even if you have a bypass filter, if you over heat the fluid, you still have to change it at some point to replenish the additive packages.