MErickson,
A good time to check it is now! I recommend getting a gauge on it. You can get a gauge set up for much less than what a new pump costs.
You can get the pumps through a cummins shop rather than the dealer. That is where I bought my four pumps before I bought something that is much more heavy duty mounted back by the tank to push instead of pull fuel. I used to get the factory pumps for about $160 and they took about 30 minutes to change yourself.
Personally, I haven't heard good things about the intank pump retrofit. The pressures are not great and even go to zero and below under WOT. Also, I have dropped my tank once and really wouldn't want to do it agian. I would hate the idea of having to drop the tank to change the pump.
Jason