You can flush or change the fluid without opening it up since there's a drainplug in the tranny pan, but in your case I think it would be wise to pull the pan to check/clean the filter screen and do a visual inspection just to be safe.

95 Montero SR
3.8 MIVEC, Advance headers, 2 1/2" exhaust, Magnaflow muffler, OME shocks & rear springs, 2" body lift, 3" tank lift, 4.90s, TRE front locker, factory rear locker, Roger Brown Rock Sliderz, 315/75r16 (35") tires, Sport big brakes