One more data point. I replaced an IMS on a '98 engine with 70K miles. While the bearing was in great shape, it had motor oil inside, indicating the seal had failed. I have no idea how long it would have lasted, but my understanding is seal failure is the beginning of the failure process. If it were me and I was planning on keeping the car for a while, I would probably replace. If the budget did not allow replacement, routine oil filter checks and oil analysis would improve the odds of catching a problem early.
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