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I don't know why you say that the failure rate of ceramic bearings (LN units) is higher than factory steel ones. We all have heard of factory ones failing, I know of only one ceramic bearing that has failed out of 4000+ installed that wasn't from improper installation or from some situation where something else in the engine failed first and pieces of that part took out the entire engine including the IMS bearing. There were 3 in the not-caused by the IMS itself category. 1 in 4000 in 3+ years possibly due to the LN IMS bearing itself sounds like a much better failure profile than the factory unit.
Preventative maintenance choices are hard. You'll kick yourself if you don't and it fails but you can go broke trying to prevent every little thing. Good luck.
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