If you plan to keep your car for a long time, change the IMS when you R&R the clutch. It's really just that simple.
IMS bearings will fail when their seals leak and oil mixes with the grease. Single row bearings will go sooner than double row ones, but they all will fail once the lubricant becomes compromised. Grease + oil is a poor lubricant. Even if the oil washes out the grease, the "leaking" IMS outer seal keeps enough oil from reaching the ball bearings to maintain adequate lubrication for a long time.
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