100,000 on a stock clutch?
I am surprised at the number of people who believe a stock clutch will only go about 100,000 miles. On my old truck, the stock clutch hub came apart at 38,000 when inadequate spot welds failed and let the hub springs fall out. It was replaced with another stock clutch. That one is still in the truck today. It has about 186,000 miles on it and I DON'T take it easy. The total fuel is turned up, the rate adjustment is turned up, the rpm's are turned up, and it also has a Banks 'cooler, and custom exhaust. It is a lot faster than my 2001 ETH and is driven that way frequently. The clutch still holds the engine at full power. Oh yeh; the Getrag is still original too, oil leaks and all.
The thing to realize is that you just don't have to slip the clutch on the Cummins like you do on other engines.