I hate to come off as CrAzY

.....but in my experience - which includes 30 years of driving experience, working in bodyshops & new car dealers and now having restored many cars, I would think a car should "last" 15-20 years with the same brake, ****** and diff fruids. The only reason for those to be changed would be repairs in my book. I might change the AntiFreeze every 4 to 6 years - because whenever I've checked the freeze point that's how long it's generally lasted.
I wouldn't have a problem with any drive components puking after 15-20 years, but I've seen MANY cars go at least that long with the same fluids.
I've replaced a fair amount of brake components that were pitted from corrosion inside, forget honing with the shape they were in. Oh, and many of these components were "working" but damaged. That's just waiting for a failure to happen. That's like leaving a termite ridden floor joist alone. hey, it's holding the house up right now, why fix it?
Go take apart a wheel cylinder, or caliper on one of your old cars, I would be surprised if you didn't find pitting from corrosion. Just because they're working and not leaking at the time doesn't mean they're "right". I bet 50% of the ones I've torn down have been damaged.
Diff fluid, yep, it breaks down. Yep, you'll burn them up if it does. I ripped a pinion right off a 14 bolt chevy for that reason. It was used for heaby towing, wasn't changed for 140,000 miles. Oops. With the increased tow ratings of today's pickups, many manufacturers are spec'ing 75-140 synthetic, AND implementing more frequent change intervals. The heat kills the fluid. Racing, same way. The 75-90 I ran in the race car got freaking nasty 1/2 way through a season.
****** fluid carries wear debris, why let it go around and around and around? Even on manuals, I've noticed a remarkable difference in ease of shifting, just with a simple drain/fill. Obviously, something wasn't what it used to be.
I just bought all amsoil synthetic fluids for the crawler I'm building, both diffs, ******, t-case, engine, brakes, power steering. I also bought gear lube for the titan. It cost me $250. Almost any of those components that might fail from improper lubrication will cost me more than that. It's just cheap insurance to me.
If you really want to check, get an infrared gun. Go on a long drive, check the diff and ****** temp, then change the fluids and do it again. I did, the ****** wasn't as big, but the diff temp dropped 15*, and it was 10* warmer out that day, and I had more of a load. Again, the old lube obviously wasn't quite right anymore.
You can call it overkill, I'll call it cheap insurance.