I'm an old heavy equipment tech. I keep it simple and just follow the owners manual maintenance guidelines. From experience talking to engineers, the maintenance intervals in the owners manual will be sufficient to ensure your equipment lasts a long time. They really do a lot of testing to ensure the end user has maximum reliability.
If it makes you feel better, then double the guidance. Admittedly, I've done this, but in the overall scheme of things, probably was not necessary.
Drive it like you own it (vice drive it like you stole it!!!)