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Yours could fail with no warning tomorrow. Yes.
And by the time you can detect debris in the oil filter, you have to understand that debris and even smaller and more deadly particles have been circulating within the engine against many bearings for maybe hundreds of hours. Some installers won't replace the IMS bearing at that point because of the probability of future failure. They insist on a $$$$$ total engine rebuild.
Every engine has wear where metal rubs against metal. Your best defense is an excellent lubrication history. But what are the odds that your car had that? Did you see the 3k intervals paperwork proving such a history before you bought?
Cam deviations can be caused by many things. If you see them, get the forensics begun.
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