Most service intervals are intended to keep the equipment, in this case a car, running at optimum performance. In ideal preventative maintenance, wear parts are replaced before they start to fail, instead of after. In calculating PM service intervals, variation in failure rates has to be considered, and a conservative PM service interval is used, to assure that the majority of parts that may fail before the mean failure rate, are also replaced before they fail.
Some, like yourself it seems, may be comfortable with waiting until performance starts to degrade before changing parts. Sometimes, like engine air filters, there is minimal risk of doing service this way. But other times, waiting until performance degrades before doing service, caused premature failure of other parts. For example, waiting too long on an oil change. I suspect spark plugs on modern cars is one of those that can result in premature failure of ignition coils.