Just to clear up, Drivin at 45 in OD does not hurt, it is just that around those speeds, (from the few autos I've driven) the transmission tends to shift back in fort between 3rd and OD. That's what puts the wear and tear on it, especially if you have a carful of people.
Really, just pay attention to your car, because every car is different. If it is shifting down and back up frequently, take it out, if not, it'll be ok.