Is it too late to safely change the transmission fluid in my 2008 Saturn Aura?

What is your question?

I have 90k miles on my 2008 3.4L Saturn Aura XE. I have owned the car since 40k miles ( almost 2 yrs now ) and have never had the transmission flushed. I highly doubt it had been serviced either prior to my purchasing it. AS far as I know, I cannot physically check on the fluid becuase I have been told it is sealed and only the dealer can do it. So I am unable to try and "smell" the fluid or check the color myself. Is it too late to even bother getting the transmission fluid changed at this point? Am I risking a tranny failure now? I am not having any issues with the transmission currently. Also - where would be the best but most economical place to have it serviced? Dealerships are too expensive. Need a cheaper but reliable alternative.