Well, Leaky asked and here I am. Shoulda seen it but have been busy. Really not needed here, though. You all are on the right track.
The only way to know for sure how good or bad the fluid is is to take a sample and have a particle count done. That costs as much as a cooler line filter like a Magnefine, so why not do the Magnefine?
I interviewed Abe Khalil (the "K" of E & K) three years ago and he told me some interesting stuff that you may appreciate:
1) Installing filtration on a new car is the same as doing that <5K oil change.
2) Import AT mfrs have historically been best in terms of manufacturing cleanliness, so the type 1 debris is less a factor. The domestic mrs have been improving greatly.
3) Break in debris, type 2 debris, has been mitigated somewhat by better mfr'ing processes but will always be a factor, so additional filtration or a <5K OC are still indicated but probably not as vital. Depends on how long you intend keeping the car, I guess.
I recommend adding filtration as the first step... if possible (some cars do not lend themselves to it easily). RIght away. I'm talking drive-it-home-from-the-dealer-and-install-the-filter right away. Abe said that back in the '80s when he was beginning his research, when he got a new car, he drove it from the dealer's lot to the shop and changed the trans oil (taking a sample of course)... that's how committed he was to the idea. Along the same lines, adding a filter is a forever thing that will always be working for you and saves you having to dump what is basically good oil. IMO, it's worth putting the money into something like that. It practically guarantees no issues due to contamination buildupand it can extend the operating life of the fluid. Again, it makes sense if you will be keeping the vehicle long term