It's personal preference, I don't believe in "lifetime" oils. They are supposed to inspect it based on the service schedule.
I had a transmission failure at 39,000 miles. So at 50,000 I had the transfer and differential changed for $170 at my dealer just to be on the safe side. Check for coupons through the Jeep Owner's link at FCA. You can sometimes take a regional dealer's coupon to your local one and see if they will honor it. You will also see a difference in what each one charges for similar services. They can vary dramatically.
just did diffs and t case at 54000 km or 33500 miles ... front diff not bad color... rear diff ready to be changed and t case should have been changed at 25000-30000 km was dark color... will change t case at 25000 k from now on