This is incorrect. You're living on borrowed time. Oil changes and maintenance history don't mean squat for the common 4.0 problem of breaking piston skirts. I've seen it at 150k and always below 300k. Personally seen it on four engines, two of which I personally maintained using M1 oil.110K is just barely broken in. 300K on mine right now. M1 10-40 and Motorcraft FL1A filters.
4.0 going over 250k without breaking pistons is likely a rarity and possibly more related to fuel quality and flat terrain than oil.