I know. I ran a machine that had 6900 hours on it when I left. (Still running) Another one that had over 6000 on it. (Still running)
But don't count on it.
I am also used to working for a company that doesn't maintain their equipment. I see how somebody could get 10,000 hours out of TM if they just loved it enough, but not everybody has access to a good service department, or the basic knowledge to do it themselves. What about if you are buying used equipment? When you get a machine that has 2000 hours on it when you buy it, you never know how well it was loved. Chances are the previous owner made darn sure it wouldn't run much longer than 5000 hours.
I still think it's a good idea to have the money to replace a machine by the time it reaches 5000 hours, just like it wouldn't be a bad idea to have money for a new car by the time it reaches 175,000, even though I have driven cars with 275,000 or more miles on them that ran just fine.
what's the big problem with having 45 grand in the bank? Maybe you are getting too busy and would like to hire help.... Buy a brand new machine, and let a new tech run the old machine for you, put the money away for another machine in the same fashion, and when your new machine is at 3000 hours and your old machine is dead at 8000 hours you can buy another new one and retire the 3000 hour machine over to the tech. (Who would think that was pretty friggen sweet to have a "new" truck.)