Ended up dropping the trans pan for new filter and fluid on the XJ. Checked the fluid last night while getting gas and it was BLACK. It still shifted fine. It may have been hard but it's always been a solid shift/lockup since Megan bought it and has never had an issue.
As usual, had to cut the dipstick tube because press fit bullshit all rusted together. Can only drain the pan as well so already filled/drained 2 gallons worth. Now it's a reddish brown. Probably will do another 2 gallons worth and call it good. Just want it more red than brown.