If the diff gets under water, you will want to change it.
Many people tow boats, never think about this.
For what the oil costs, and what the service costs (if you don't do it yourself), then why not?
A shop charged me 15 dollars to change the rear diff oil on my 98 f150.
They took the cover off, cleaned out all the gunk, laid a bead of sealant, and refilled with the royal purple oil that I had supplied.