Choosing to not replace the IMS bearing is indeed a gamble, in my opinion. I just had a failure in my 2003 986 S tipronic. If it had been a stick it would have gotten taken care of with a clutch change. Having just sourced a used engine I can tell you that I had the IMS replaced before it got dropped in the car.
Ignore the Porsche recommended oil change interval. The wisdom today is to change it every 5-6 k miles. And I don't know where you live, but don't plan on driving it in the snow. They are truly terrible in that environment.
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