I have a couple of Yanmar marine diesels that seem to be a little more maintenance intensive than the Cummins I have in a different boat. The Yanmars (Toyota engine, light weight, high output, etc) specify 125 hour oil change and 250 hour or annual coolant change. Fine. . .but then I cruise cyber-space and find all this other stuff that either isn't in the manual, or isn't quite the way I read the manual. Whatever. I am good on changing the coolant every year, it's not that big of a deal. But why use long life yada yada instead of the readily available NAPA stuff that meets all the manufacturers specifications? If it is being changed every year, what is the downside?