Oh another thing I should mention is that the ATF was really clean when it came out, and still clean when it overfilled on the second stage of filling, so it does appear that the fluid was still in good condition at 95,000 miles, however despite this, the gearbox is behaving quite differently since the fluid change, so there's definitely a case for changing it even if it doesn't appear black or full of metal particles!

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BMW X5 4.4 2004