[kk2002s]

timlawton- There is so much on this subject on this forum.
Time bomb, eventually. The bearing is going to wear out some time.
But there are other mechanical failures that could get any of us before the bearing goes
So all of us live on borrowed time.
Without doing a visual on the bearing itself, about all you can do is inspect the Oil Filter and drop the Oil sump cover and look for ferrous metal debris. Problem here is if there is debris, then you need to serious have the engine internally cleaned to remove that debris

Many here tend to follow the logic if its time to replace the clutch then replace the bearing at the same time

As you research, there is much on other mechanical parts that one can do preventive replacement to stay ahead of the tow truck