I have over 250k miles on my 6.0L. The starter let go on me totally out of the blue while up at the yard bringing the camper back to the house to restock.
Long storey short it was 20 minutes to get the tow truck there to flat tow it home, so while waiting around phoned around for a starter, found one. 3 hours after having made the call for the tow truck I was back on the road having installed the starter myself which on the 6.0L took all of an hour to R&R.
Yea, once in a while....but I`d rather do that that spend almost 1K a month for the next 5 years on a new truck. It runs like a champ but wear items like starters, bearings, brakes, ball joints, tie rods, alternators........ are wear items, they wear out, can`t be avoided.
Your truck in my view is almost new. Maybe a little preemptive maintenance would be in order.