[Perfectlap]

I think its more like:

I keep seeing these bicycle accidents where the rider falls off and hits his head on the concrete and the ambulance has to take him away on a stretcher.
I'm going to sell my bike!!!

See I ride with a bike helmet. No exceptions. Is the crash hat guaranteed to save my skull? Not entirely. But do I ride with whole hell of a lot less stress? Can I ride my bike and just enjoy the feeling of the wind at my back? Yes and Yes.

With the factory IMS as-is you are in a very very small chance of having an failure. Smaller still if the car has had regular miles put on it with regular oil intervals.
If the car sits, seals dry up, get brittle and the new owner comes along and starts racking up the miles: virbrations and stress on a compromised part lead to IMS failure.
If you have the IMS upgraded and take care of the car you are now in an even smaller chance of grenading engine. At that point I bet you probably have a similar likehood of a catastrophic failure as any BMW M3 owner or other German build.