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If it were me, I'd budget the cost of replacing the IMS bearing, just for peace of mind. I paid a paltry amount for my 2002 2.7 with high miles (146K at the time). I had no service history with the car, and I ended up worrying about it quite a bit after reading all the horror stories about IMS failures.
When the clutch started slipping, I went ahead and had the bearing replaced (LN) at the same time, and was amazed at how much less stressed I am about driving it now.
BTW, my original bearing was also in perfect shape, but the grease was almost completely gone; there was just a slight brown residue left on the balls and races. So it was a good decision on my part, it was just a matter of time before it failed.
Once you replace the bearing, you can drive more and worry less. <- I've used that twice in less than a week! :dance:
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