Just change both once a year. It should be fine if you don’t change it, but…. at least open the lower unit drain to see if any water or milky oil starts to come out.
Many of our outboards “make oil” from fuel dilution. As far as I know, there is not an oil that retains all of its its lubrication properties when diluted with the amount of gas in oil our outboards can sometimes produce. Add the high speed operation and the potential for excessive wear is there.
With the reduction in oil additive effectiveness with time, it only makes sense to change as a cheap insurance policy against oil related failures.