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No way to inspect without removing the transmission, clutch, flywheel and bearing. If you've done all that you might as well put a new bearing in the car.
There are several indirect indicators. These are: variable camshaft deviations at idle, oil leak (but this could be RMS), and metal in oil filter. These are poor indicators at best.
You have three choices: 1) stop worrying and change oil frequently, 2) install IMS Guardian, or 3) replace IMS bearing.
You probably have a dual row bearing car. These have the lowest reported failure rates ~ 1%. Nevertheless, if the IMSB issue is going to ruin enjoying the car, get the it replaced.
PS: this is one of the most frequently discussed topics. Search the forum and you'll find tons of opinions and information.
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