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The single row 8-10% and double row <1% values represent a snapshot in time from years aboe. It is not clear how these percentages will change as car accumulate more mile and years.
As such, you can only guess at the probabilities of failure and whether they will become closer to one another as time goes one.
Bottom line: make your best guess as to the relative risks and decide if you're 1) willing to incur the expense of replacing the bearing at the next clutch change or 2) live the the consequence of a failed engine.
Once you decide, the just live with accept your decision and stop worrying.
As a few said, you'll only know if you have a single or dual row when you remove tranny.
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