I just got back to this. Just wanted to say thinks about answering my question. I am not too concerned about the car blowing up though.

I am pretty big on car maintenance.
So I bought into the whole less driving means more oil change thing, huh? Darn. could be worse. Like yous aid - extra insurance I guess. Not the most expensive car maintenance, for sure. I actually changed my own oil for many years.
thanks!