Black fluid, to me, is not a good sign. Does it smell burnt? Has there been any slipping when shifting? I would do more than just drop the pan and change the fluid and filter, at least drain the torque converter, as imp suggests and hope for the best.
Below is from the Ford Repair Manual relative to the drain plug for the torque converter. I do not know why flushing the cooler as the Ford manual says below is a bad thing, maybe not cheap, but I would think flushing the cooler might be called for if you have a black color with any small solids at all.
Remove torque converter housing plug.
8. Remove the torque converter drain plug and drain the torque converter.
2000
Rotate the crankshaft to access the drain plug.
9. Clean and inspect the transmission fluid pan, gasket and magnet.
10. Flush the fluid cooler tubes. For additional information, refer to Transmission Fluid Cooler —
Backflushing and Cleaning in this section.
Installation
1. NOTE: A new torque converter drain plug must be used.
Install the torque converter drain plug.
2. Install the torque converter housing plug.