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As always, a warning that a quantity one experience here is meaningless statistically. There are so many possibilities of variations in manufacturing tolerances, maintenance, driving style, weather conditions, hibernation, etc that my experience is meaningless for you.
My second generation bearing was at 93k miles last I heard.
This is a 1% per car year probability issue in the second generation design. (And that probably increases a bit as the car ages and more RPMs get put on the bearing.)
Read a lot and make the decision that is right for you. Your risk tolerance and pocketbook is different from mine.
Stuff happens. You can crash the car the day after you get the new bearing. You can have the engine blow the day after you decide not to change the bearing. Which will make you feel worse?
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