Having learned waaaayyy too much about diesel fuel the past few months due to the use of arctic fuel here in Alaska, I offer this. If you are using anything other than a high quality fuel in your engine that meets or exceeds ASTM Standards for D-2 (#2 diesel) you should be using a fuel additive. Remember that the fuel acts as a lubricant for the fuel system, and here in the North we get #1 DFA all winter long. I see customers failing fuel pumps with less than 300 operating hours on their equipment due to extremely low lubricity. Acccording to Cummins, the only additive they recommend is Fleet Tech Asphaltene (sp?) Additive to improve lubricity.
Personally, I used Stanadyne back when I was on the dark side (driving a Powerstroke), and have since switched to the Fleetguard product. Caution: Fleetguard markets a number of fuel additive products under the brand name "Fleet Tech". Make sure you ask for the correct type, as they also have additives to improve cetane, etc.
For what it's worth . . . .
Cheers,
Chugiak