I agree with most of this, but there is one often-overlooked issue with maintenance that isn't 100% necessary. By going in there more often than needed, you introduce the risk of doing something wrong and causing bigger issues.
I 100% agree that the fluid needs changed more often than "lifetime", but all the evidence seems to point to nothing substantial actually being caught by the filter. Personally where I settled on this was drop the pan and clean the magnets around 100k when I got the truck, as I imagine they would have caught some of the swarf from manufacturing a new transmission as well as break-in, but after that my plan is to just do regular fluid exchanges leaving the pan in-place. Barring some super-deep water incident, or diagnosing another issue, of course.
End of the day it's up to each owner to decide where they are comfortable being on that spectrum. But to tell the whole story, there is some amount of risk in changing parts that don't really need it.