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A 10% failure rate comes out to maybe 1% per car/year. Now are there other things as liable to happen that you are willing to spend that much money on? Or is this one you'd rather take advantage of well over half the labor already being paid for in the clutch install and do? Only you understand your risk accepting ability, your finances, your situation.
At your age, I knew my risk acceptance was very high and my financial ability to recover from a total engine failure was too so that I made the "no action" decision. Either way it came out I wasn't going to agonize over it and I took the Boxster everywhere and in all weather over other cars I could have taken including a Honda with 4WD. I figured I was more likely to hit a deer than have an IMS go.
But I wasn't having my clutch replaced and wasn't equipped with the same degree of knowledge of the various options and their success rates that we have today. Is my decision right for you? I can't really say.
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