It is hard to say what is causing the problems, some last a long time and some dont. Was your replacement a rebuild or just a used stock trans? I would be cautious of the 95K trans as that is honestly the point in time when many of these transmissions fail or start showing a few common problems. If there was water in your last trans it only came in because you drive through really deep water or from your radiator/trans cooler being damaged and allowed water into the trans. I have also seen used transmissions with water inside them even if the pan is clean because once it mixes with trans fluid it will go throughout the entire trans and cause damage in a matter of miles. Proper maintenance and how you drive the car has a huge impact on how long it will last but some just have problems more than others and there is no definate answer.
