Changing early is a waste of money
Changing too late generally will cost you additional money down the line, unless you get rid of that vehicle, prior to it's last year on the road.
So change appropriately. If you are first & last owner, don't let that oil dipstick become black & dirty. If you get rid of the vehicle at 100-150K, let it get somewhat dirty. If you lease or trade-in before 50-100K, let it get dirty and save money. Early disposal of the vehicle means run that engine oil to it's max allowed.