A Question on Much Discussed Topic Here...Transmission Fluid Change

[OptimusPriM5]

Ok so I read the many many many many threads on this and have a question for folks. My 4.6is has 49k miles and I am 2nd owner. I show no signs of any issues yet (knock on wood). Best as I can tell from all the service records there has been no maintenance done to the transmission fluid, all other fluids have been replaced.

My question is is it ok to drain, refill fluid and replace the filter as part of normal PM or leave it be using the "if it aint broke dont fix it" mentality? I saw 2 schools of thought in the threads and wonder if the transmission is "young" enough in mileage that it wont dislodge any particulates that would harm higher mileage units.

I do NOT want to get into another debate, discussion, or otherwise on the benefits or detriments of transmission fluid exchanges I want to know in MY specific case whould I be safe given the relatively low mileage on my transmission to go ahead with the exchange and filter change.