You also need to consider your "sunk cost"of the labor to do the clutch; if at a later date you decided to go back in and do the IMS, or had to, you would spend all that money all over again (less the price of the clutch parts) just to get at the IMS bearing to change it. The extra cost now will pale in comparison............
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“Anything really new is invented only in one’s youth. Later, one becomes more experienced, more famous – and more stupid.” - Albert Einstein
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