Should I or shouldn't I?

[Zibodo]

I think I know the answer, but I have my '98 in for a new clutch and need to decide if I need to add an IMS bearing to the work order. The independent shop I take it to is saying it's not necessary. I am torn. I bought this as an inexpensive car for fun and as a project to work on with my son. I have already spent a lot on much deferred maintenance and have replaced the entire suspension. I find it a little hard to justify the expense. I see in the stats that the dual row '98 bearings have a much lower failure rate than the later designs and I could rationalize the gamble. I know this has been discussed a million times, but I thank you for any thoughts.