I used to have an M977 (my avatar) that was a fairly (to me) expensive vehicle. Once I realized it had what I thought was the wrong fluid in the transmission (based upon what I was told by Allison), the decision was easy...swap it out and do it a few more times to get rid of all of the 10W. I have owned M939 series trucks longer than most. I bought my first in September 2001. I point that out because, when I started with them, parts were hard to find and expensive. So, as soon as I got a truck, I'd take it to Allison to have the fluid in the transmission swapped. Again, I am pointing this out because it seems there are M939 series trucks on this list being parted out regularly (heck, John Appel seems to be parting a truck every other week...perhaps, they are the same threads that are getting bumped). My point is that parts are now plentiful and fairly cheap. You can get a tranny for about a grand. That is a lot less than the $6K or so I paid to have mine rebuilt a while back by Allison. Admittedly, it came with a factory warranty, but I'd NEVER do that again. Too expensive. So, given that your fluid is clean, and the truck shifts fine, I think you'd be OK to leave it. Just knowing what is in it is half the battle because now you can top if off with the same fluid if needed. Unless you work the truck, you probably put less than 1,000 miles on it a year and you will probably sell the truck before anything would even get close to wearing out. Good luck.