Keep in mind that the bearing/race contact area starts to get rough when the lubrication breaks down and the first particle is shed. The wear then accelerates.
So depending on a check of the oil filter media, a magnetic drain plug, or a deviation check is no sure thing because you aren't going to do any at a frequent enough interval to catch the problem with any probability before it is spraying significant debris into the oil passages and or taking out the sprocket/chain interface leading to valve clash.
Sure you can get lucky and catch it but the probability is against it.
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