Without better filtering, your Cummins could be in need of injectors at any time now. It's not uncommon for them to need replacement b and between 175 and 275K. Some go many times that. It all depends on how clean the fuel was over the years and that breaks down to plain luck.
Bosch wanted Dodge/Cummins to use 2~3 micron filtering but they haven't improved it unit recently. The best thing a Cummins owner can do is to add this filtering with something like a Glacier Diesel kit.
I would add the filtering now but be ready to replace injectors sometime in the future.