Yes! Replace it while you are in there. I had 87K on my 99 and found metal in the oil filter. Did clutch, flywheel, RMS and IMSB. The IMS was full of metal shavings. Bearing was worn but intact. Cleaned it out as best as possible and install new bearing.
And, no, not all engines are doomed if you find metal in the oil filter. Has there been some damage to bearing surfaces, probably yes. Will my engine last forever, No. But it has already surpassed my expectations and seems to be going strong.
Today I rolled past 19K miles since fixing the IMSB.
PS: I do change and change/inspect my filter every 3K and change the oil every 5 to 6K. Next oil change I will drop the pan again for the second time since fixing the bearing.
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