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Originally Posted by autodoctor911
I am quite in agreement that it is an amazingly gracious means to fix a bearing that is known to be going out. salvation indeed. but what is the actual risk. everone here seems to talk like it is inevitable, but ehat are the actual percentages. one source that would definitely have this kind of info is the extended warranty company. they track repair costs on various vehicles.
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The odds are clearly in your favor for the bearing NOT failing (do the math on the numbers of 98X and 99X cars sold, and the number of IMS failures- it's likely under 1%), but considering that the gamble has the potential to create a need for a motor swap, upgrading the bearing is cheap insurance.
If you study this forum and/or Renntech, you'll find several stories of people who paid for extended warranties and then got denied coverage for a new motor when the IMS failed, so I would hardly consider the warranty "insurance."