Hi Ghost!
It has 102k on it. I've read about the SMOD. I don't know if I'm at risk or not?
It's definitely worth looking into.
Make sure you have the updated fluid (can't remember if it's the Matic J or Matic S fluid...) and see if your cooling system (radiator, thermostat, hoses) have been replaced.
My 2005 S Xterra had SMOD at 110,000 miles, 1,000 miles after I bought it.
Was able to save the trans (Mossy Oceanside quoted my $6,300 to replace the trans and cooling system) by doing two drain and fills, and replaced the radiator at an independent mechanic. Long story short...IMHO you are at risk (my dad's 07 Xterra also had SMOD at 86K miles, no mods or off road driving) and anything you can do proactively will save you some $$$.
You have an awesome starter rig...just watch out for EWS.