As demonstrated in the Nuclear industry 55% of the time a technician works on a piece of equipment they create a problem which must be addressed within 45 days. The risk is not you change the
oil to often it is the problem you may create while changing it. Examples include, forget
oil and start engine dry, filter on loose resulting in leakage and loss of pressure, drain plug loose or leaking, plastic ring holding lid falls in fill hole as you are filling the engine with
oil, to much or to little oil installed, jack falls on you and injures you, or damages car. I can go on. By the way nuclear industry is the most standardized and documented industry today, so in other industries the percentage is much higher.