I bought a BMW with lifetime fluid, around 100K, was planning to change it, the car ran and shifted perfect, but within a month the trans slipped and when it caught it blew up a drum and sent junk into the torque converter. 3800 is what I paid ZF authorized rebuild trans installed by the actual trans rebuilder, which is the only way they would waranty it.
Before I brought it in I tore into it, and the trans fluid looked like used diesel engine oil that had been mixed with brake fluid, and the pan was full of metal chunks. This was right at 101k miles, recently bmw backed off the lifetime fluid line and has re introduced 'optional' trans service at 100k, clearly that extra 1k miles was critical
let me state again that the car drove and shifted perfectly smooth, up until the moment the trans sliped up to about 5k rpm and caught with enough force to shatter the back of what I believe was the 1-2 gear drum.
IMO the reverse drum breaking in ZF trans's in BMW's and AUDI's is cause by the trans engaging hard in reverse due to worn lifetime ATF.
In the future I will use any ATF for which a reputable maker lists compatibility with either the trans, or equivalence with the oem fluid and change it every 18 month. I believe in the case of the BMW a good option castrol multi vehicle ATF.