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Your ability to accept risk and your ability to accept cost are different than a lot of people's.
I've said before on the forums I almost wanted mine to fail so I could puit in a totally rebuilt engine. I could afford it. But not everyone can.
So do you have to swap the bearing? No. You have a much better than even chance of never having the IMS bearing go before something else takes out the engine (there are 28 other modes of failure, after all).
How will you feel if, after having done it, some act of god, another driver, another mode of failure takes out the car?
How will you feel if, not having done it, it fails?
I'm not you so I really can't choose for you. And that is part of what make life fun, you get the choice.
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