As for the testing question, it's a toss up. They can find serious problems, like premature engine wear and gasket failures, anti-freeze markers and metals in the oil, etc.... but If I was really curious I would only do it once a year, or so. IMHO, too costly for your application if done at every change. I did it frequently on a very expensive diesel engine while it was under warranty. In that case, finding an issue with a $13K engine is well worth the expense, if the warranty is going to cover it.
As for your change frequency, 15 years down the road from when it was built, given the current technology, I think that a 3750 frequency is extreme overkill. I would learn how to do the job, since it's a 15 minute, super easy task, then do it myself. I would use Mobil 1 and a mid-grade filter from Wal-Mart ( NEVER use the cheap Fram filters) and change it every 5-6K. This will lower your costs by 2/3rd, and the engine will last as long as you need it to, and beyond.