I started throwing p0420 codes around 75k, I tried to get my dealer to cover new cats but they wouldn't budge. I also almost always use quality fuel and truck is otherwise stock. OEM ford cats were too expensive for me at the time, I thought about going aftermarket with SPD downpipes or similar, but just ended up doing the spark plug non fouler trick on the rear O2 sensors to get the code to go away. Code has been gone for 20k miles and there is no difference in performance/mpg. Worth a try for a few bucks. I will eventually put new cats on if needed, but I don't think they are actually that bad, its just some computer issue.