ATF to change or not to change...

[FSETH]

I know this topic has come up before, but I was trying to see if there were any new opinions out there on this. I have an 02 4.4 with 85k. I have read of a few horror stories after changing the ATF for the first time at higher mileage (near 100k). I tried to get the dealer to do it for me when the X was in the shop for Inspection II, but he convinced me that it didn't need to be addressed until 100k. I have been debating having the ATF changed, but am unsure what to do at this point with close to 90k. As of now the trans runs smooth with no complaints (knock on wood). Any advice will be appreciated, except comments on the smooth talking service adviser pulling one over on me.