Brad, I believe your tractor is like mine in that it has a hydraulic filter and a hydrostatic (HST) filter. At 50 hours, the Owner's Manual calls for both the HST filter and Hydraulic filters to be changed, but not the fluid. I suspect that they think any small "trash" in the system will be trapped by the filters. I'm sure NHs engineers used their experience to calculate a "filter-only" change as sufficient. I've always been one to change oil and filters at the same time, but that's also been in an engine application. For the hydraulics, after this "safety" filter change, the Owner's Manual schedule calls for a change of both fluid and filters at every 300 hours.
There are plenty of folks who will change this oil much more frequently and probably do the same with air and fuel filters. At some point, you might ask, "How much is too much?" Well, I guess when your garage or shop fills up with containers full of used oil, that's "too much." /forums/images/graemlins/shocked.gif /forums/images/graemlins/laugh.gif My point is that too much is an individual thing, but too little is longer than the Owner's Manual schedule. Honestly, if there is one thing I don't do enough, it's change the engine coolant. My owners manual says "Seasonal" for the interval. Does that mean spring, summer, fall, winter? ...or summer and winter? ... or just annually? Do you know anyone who changes their coolant four times per year? Ouch! /forums/images/graemlins/tongue.gif I wish they had made that a little more clear. /forums/images/graemlins/confused.gif