Kenneth
1 AYC Bar
Terminal is a broad word... It doesn't say how long it will take.
2 years and counting since I found my fluids were mixing, can't believe it hasn't failed yet.
A hypoid gear produces extreme pressure between the teeth which requires certain additives in the oil to ensure a long service life. ATF doesn't have these additives so its going to result in premature failure.
You are right though, there is no accurate to tell how long it will last. If it only started mixing during your ownership, you can probably do lots to make sure it lasts a decent length of time - change the oil often, monitor how much ATF is mixing, keep an eye on the swarf in the oil and so forth.
I would still want to have a spare sitting by if the VR-4 was my daily though...