Lots of car companies use fluids other than gear lube in trannies. Chrysler used atf in it's manuals in the 1960s. BMW used mineral oil in the 70s, learned that one the hard way. A simple fluid change may give you the most benefit for the least cost.
Try some other fluid like atf, your driving conditions are most extreeme but not on tranny fluid. Is there any risk? Of course, but given your imposed limitations I would try that first.
regards
Mech
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