Interesting thread, interesting topic. Here's my $0.02 worth.
A young(ish) female coworker recently bought a new Chevrolet Cavalier. Her previous car, a Kia, was only a couple of years old. When I asked her why she no longer had the Kia, she told me that the automatic transmission had failed at 71,000 miles and Kia would not honor the 100,000 mile warranty that it offers in the US. The reason was that she had failed to get transmission fluid changes at 15K, 30K, and 60K miles as the owner's manual clearly stated. She told me (paraphrased), "But I'm just a little blonde! Nobody reads the manual! I shouldn't be expected to read the owner's manual!" Kia didn't fall for the poor-little-dumb-blonde act, nor should it have.
Manufacturers will look for any reason possible to deny a warranty. By now this should be common knowledge, but too many people still seem not to have a clue. Instead, owners will try to weasel a new engine or transmission to replace the one that failed due to their own negligence. The manufacturers know better. Negligence is, after all, a form of abuse.
Keep in mind that another thread raised the question of changing the oil and filter after an engine failure in an Explorer to try to cheat Ford, even though the dealer had already documented that the failure was due to loss of oil from not maintaining the vehicle. Just about everybody who responded condemned the idea of trying to defraud Ford.
The situation here in this thread does not involve the idea of fraud, but it does involve lack of maintenance. I'm surprised that so many here seem to be saying to try to make Ford eat the engine. Cathy got off light, in my book.