Agreed, if you maintain, you'll be fine. Even now, if you want cheap insurance for keeping your tranny in top shape, add a cooler. Best investment for the potential savings you can possibly make on any ATX car - and you can take it with you to the next car!
Hector didn't add his cooler till after 100k miles IIRC, and he's doing fine. I didn't add a cooler to mine until after 70k and I used to ROMP on my Contour EVERY DAY! What a fun car! It was running perfect right up till somebody wrecked it for me...
