If you were in my shoes, what would you do?

[thstone]

Drive as-is. At this point, if the IMS bearing made it almost 120,000 miles, it is likely to make it all the way until some other engine component fails.

When the engine does fail, buy an 80K mile replacement engine from a salvage yard (mine cost $1,800) and have a shop swap it in ($2,500) and you can be back on the road for another 60K+ miles for around $5K. If you can do the swap yourself, you can get it done for ~$3.5K.