You probably don’t keep your cars for mare than 100K miles. Some of us nurse them along for 200K or more so we know a lot about the “racket”.
From what I’m reading, the trans (rather than the engine) is now often the first major component to fail at high miles, leading to vehicle scrappage.
Changing every 50,000 miles or so is a good practice, especially if you can do it yourself, not very expensive.