Why do you think there are no shavings in your tranny fluid? During break in, a lot of metal is worn off as gears seat. In every vehicle I have ever owned, I found a lot of metal in the first atf change. That sludge that coats the magnet is fine iron particles.
Mazda wants these trannies to last 100k miles. At that point, they will likely be resold. They say no atf change because sites like CU tally up the cost of ownership and recommending an atf change every 50k miles will place it at a competitive disadvantage against its competition.
So, they use owners manual engineering. One good example of this was the '97-'02 CRV. The car used the same engine as in the first gen Integra. In that application, Honda recomended a valve adjust every 40K miles. In the CRV, Honda said every 105k miles. I thought it ridiculous that they said a car with screw tappets can go 105k miles with a valve check,so I adjusted them every 50k miles.
A lot of owners were dumb enough to actually believe what Honda said and some of them had warped exhaust valves before 105k miles. Some of of those who complained were able to get Honda to give a discount on the headwork.
As for removing the at pan- most use rtv silicone to seal, it is incredibly easy to do. If you feel not up to it, then pay a shop to do it.It 'll cost a lot less than new tranny down the road.