I believe the differential case gets moisture inside of it when idling or driving at low speeds since it cannot burn it off from the heat. Sort of like an engine that idles forever, it gets a lot of moisture in the crankcase oil that cannot be vaporized due to the low heat caused by idling.
I just know from numerous mechanics I talked to and being in the muscle car scene years ago. New differentials put out tons of clutch plate material when they break-in. Once broken in the material released drops tremendously. That's why guys would change the fluid relatively quickly on new differentials.
The drain plug magnet had over 1/4" of metal shavings on it. It cannot hold much more since the magnet isn't that powerful. The fluid was nasty and material floating in it. I don't see the harm in spending $12 and a few hours changing it, especially if you plan on keeping the CX5 after the 50k mile warranty is up.
I've got varying opinions on this. I have literally NEVER had ANYTHING improved by changing the fluid in it. That includes manual gear boxes, diffs, etc. They either break shortly after, or they just ever "feel" the same. My new 370Z, my pre-owned WS.6. None of them shifted as well as BEFORE I had the fluid changed, even though in the Z I went with MT-85 (specifically formulated FOR THAT BOX by Redline), etc.
It's counter-intuitive that maintaining the vehicle "properly" would harm it/do nothing, but man, that's what I've seen on EVERY CAR IVE OWNED.
-WS.6=Diff went out (pinion bearing spun) when I changed fluid and went to Royal Purple.
-WS.6=Trans got VERY NOTCHY when I went with Mobil 1 synthetic, and even when I went BACK to GM's fluid, it was NEVER THE SAME AS when it had that 75k mile old black as sin OEM in it...
-370Z=Could barely FORCE it into 1st gear when it was cold/humid out (go figure...seriously, that was odd), and it would randomly grind on the first cold shift (Yes, I hit the fire-wall with the clutch pedal...)
-Infiniti G20=Dead transmission 5k miles after 110k mile fluid change
-2010 Grand Jeep Cherokee=Transmission "shifted funny" for about 10K miles after a 68k mile fluid change.
So, I really do NOT know if changing fluids is a good idea or not. As you can see, I've changed fluids at the 1K mile interval from new, at the "scheduled point" when used, and "beyond schedule". None netted good results. That is why I have not changed my CX-5 trans fluid yet. I don't know if it's a good idea orn ot honestly.