Here is a thought, oil tanks in motorcycles are small and heat the oil more rapidly and therefore evaporate the condensate in the oil much more quickly. The Three Wheeler has a large oil tank and heats the oil much more slowly giving more time for condensate to develop.
Ther have been a few folks on TM asking where water in the oil came from, showing photos of their oil tank caps with foamy oil on it. Thats the condensate.
So, changing your oil is also dumping water out of the system too.
Agree, also once oil is used chemical reactions start within the oil whether the engine is run or not so my philosophy is the same as yours for the price of oil just change it.