Have I EVER EVER EVER heard of someone's car dying because they didn't change their transmission oil? Have I ever heard of a rear differential dying for lack of oil change? Oh please!!!!
I would say that if you're not griding the gears all the time then don't worry about it. Worst case scenario, change it once during the life of the vehicle, which maybe fits your situation at 100k Kms. But are you even gonna keep it for it's whole life? Really, they just love to scare you into doing things that you don't really need.