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There are people on this forum who are far more mechanically-minded than myself, so I shall reserve all comments on the technical aspect of this dilemma.
I do have considerable experience in assessing risk and reward however. When it comes to insuring an event where the risk is unknown (ie. limited or inaccurate data of failure rates in this case) the only consideration is if it will be a lights-out event or if the cost is manageable. Then one decides if they should self-insure or take out a policy. The trouble in this particular case is none of these "policies" are guaranteed to pay off, sort of like taking home insurance from some guy in the Cayman Islands. Dicey at the best of times and one never knows if it is money well spent or they have been had by a charlatan until it is time to claim on the policy.
In short, if you cannot afford to deal with a blown motor, a few hundred dollars to possibly reduce this risk is PROBABLY money well spent. If you have the attitude of blowing a motor is a blessing in disguise as it will finally give you a reason to go for that 3.6 litre swap then I would be leaving the IMS bearing alone.
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