Amsoil, Blackstone, etc. Many options out there. In general a single test is about $20. If you use quality oil, which is expensive, you can absolutely pay for the analysis by not changing it more often than needed. And I'm sure you can guess at the cost of a replacement engine.
All branches of the military, virtually all government agencies, and most corporate fleets do regular analysis. Why? Because it saves money and effort. Do you hate money and love effort? Then by all means just wing it.
No one here can answer your question. We aren't you, and your car isn't in our driveway. Your engine is subject to ENVIRONMENTAL CONDITIONS which are unknown to us and probably to you as well. Without that data the best anyone here can do is a blindfolded dart throw.
As far as expensive racing engines go - we don't do analysis on those. They get what's called the "maintenance rebuild" when the power drops, they start using fluids, or they go boom. They are purposefully loose, burn oil as a necessity, and run REALLY EXPENSIVE oil that doesn't last for $hit in terms of TBN and detergents, etc so it gets changed every event regardless of condition. Oil is WAY cheaper than a race engine so that stuff gets dumped long before it is ever "worn out".
GD