Thanks for all the input. I understand the concept of "cheap insurance", and $100 for an oil change (10 gal T6 plus filter) is not that cheap (but cheaper than a new engine of course). I'm going to find someone who does UOA's. I guess my thinking has been tarnished by my dad, who (many, many moons ago), worked for Mobil Oil on the Mobil One project...He was a "beta tester" with the cars we had at the time, and they did those UOA's periodically...I distinctly remember him talking about going 15,000 miles or more, with the results showing pristine oil properties with the stuff. He said changing it every 3000 miles was pouring money down the drain.
Diesel's are different and T6 is probably way ahead of Mobil One, but the UOA should tell what if anything might be going on.