> My car is a lease for 36 months.

Read the lease contract closely.

Does it specify maintenance?

Who covers the cost of a failed engine: a warranty, or you? (Cost of failure includes inconvenience, missed date, rainy roadside, replacement ride, towing... stuff that a warranty can't make good.)

There are two risks.

• Engine can wear-out early. For modern engines, that may mean 100K instead of 200K. On a 36 month lease, you will probably be long-gone before anything clatters or smokes. I hate to advise you to shorten the life of a Honda, but as a 3-year guy you have no reason to care how it will be in 10 or 20 years.
• OR: Engine can just quit, gummed-up.

2,500 is too short for ordinary SE/SF/SJ oil and ordinary driving: I do think the service dept is cashing-in here. 10,000 seems long, but I've seen much lesser engines with lesser oil go 10,000 miles before they gunked-up and died.

There are reports of some recent cars (one model of brand "T" comes to mind) that have been having early death by gummy oil. If that were true of this '04 Accord, I'd change it just to avoid having to walk home. Did that enough in days of SC oil and over-rich carbs. Also scraped an inch of sludge out from under a broken crank. No fun.

My car, I'm keeping it, 3K on dino-oil or 6K on M1 is what I do. Probably overkill on a Honda, but I saw the difference on old Fords.

If I were kissing it goodbye in a year, I'd double-check the Manual (might your driving be considered "severe"?) and the Lease (do they want more than "typical"?). Then at 5K, look at the oil (both stick and rocker-cover). If it is not filthy (it can be dark) or gummy, I'd just meet the letter of the maintenance list and keep the receipts. Tell the service manager where to stick the extra 13.5 quarts. Works better than Ex-Lax.