I used to worry about the IMSB failing. Replaced the IMSB, clutch and RMS in my '03 at 25k miles for $2100, and now I don't ever think about it. The ceramic bearing is good for 50k miles and the clutch should easily last that long so it will have to be done again at 75k miles.
I found a local independent shop that had done a bunch of them. They showed me boxes of failed parts from ones that didn't get it done and few near failures that they replaced just in time.
It's a real issue and if it bothers you, get it done and never worry about it again. I'm glad I did.
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Dave S.
2003 Boxster S
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