As far as free advice goes?
For most "normal driving folks"? If you want to be safe, go off the vehicle manufacturers rough/harsh environment maintenance schedule. If you are harder on your vehicles, reduce that even further. If you tow, are in the mountains, pumping additional boost, always in the boost, long periods idle, etc.etc.
YMMV.
For me? I've always changed fluids on the early side, especially the first ones. I always treat my cars, trucks, motorcycles like I will keep them forever and when I sell them, it is usually a quick private sale b/c some discerning people appreciate buying from someone with extreme mechanical empathy. Does it make a difference? I'd say yes, but how much? IDK.
FYSA, Ford is looking to save money, make money, and make you think you are saving money. I honestly feel they could care less if their vehicles made it much past 125K on the odometer.
I have also seen a lot of F/R diff fluids look like crap w/i 5-10K of driving. Personally, I will change all of my 2020 diffs/trans case/transmission by 15K. From there, my plan is to have ALL fluids changed at 40-50K miles. Oil is synthetic whenever the oil meter reads 30% of life left.
YMMV