Transmissions will tend to last longer when everything is stock and they stay within designed parameters, but nothing is 100%. Running 35" tires on a truck that came stock with roughly 33's on it is going to give your driveline some added stress, nothing the truck shouldn't be able to handle on its own. Towing is going to add a lot of stress, and depending on the weight and coupled with the larger tires arguably contributed to your transmission giving it up early.
There's a lot of unknowns that you haven't given us though - what axle ratios do you have? How much weight are you pulling routinely, and what is the max you've pulled? 4.10s will help your transmission more than 3.73's will, but there aren't a lot of 4.10 trucks out there that aren't Power Wagons. Guessing since it came factory with 18" wheels you don't have a Wagon. If you're pulling a LOT of weight all the time, you're definitely going to shorten that transmission's lifespan, but by how much is a shot in the dark.
HOW you drive also contributes. If you're easing into it you're adding a lot less stress than if you are constantly putting it to the floor when you take off. If you're running 65mph towing that's easier on your transmission than if you're running 75+.
There are guys on here who have had nothing but trouble from 66RFE transmissions. There are guys who have had zero issues with 66RFE transmissions (I put 110k on one and had zero trans issues). They aren't the best on the road but I wouldn't say they're the worst either, if everything is staying within designed specifications they seem to hold up pretty well. If you're exceeding those specifications or doing modifications to the driveline (bigger tires, for instance), you certainly aren't doing yourself any favors.
NOTE: if you're getting it replaced, make SURE they replace the stand-alone transmission cooler and do a good flush on all other non-replaced components (the cooler in the radiator, for instance) to make sure any and all contaminants are removed from the system. It would be terrible to put a new transmission in and have it fail in short order due to contamination that could have been removed.