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The IMS worst case is a ~1% failure rate per car year (% depends on which of 3 IMS designs your engine has).
An IMS failure can make the engine almost impossible to repair reliably.
Replacement motors are available and range from used at ~$3-6k to rebuilt better than new at $20k+.
Your tolerance for risk, your choice when or if to do the IMS.
My 2 were wonderful cars.
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