Hi Robert,
You can probably tell by now that there are a lot of inconsistent views, opinions and a bit of fact when it comes to IMS bearings. It is probably the most talked about failure item in the 996 engine!!
It is impossible to give cast iron direction that will give you a guaranteed outcome. It is only something you can make your own mind on.
There is little, if anything that can indicate the condition of the IMSB without getting access to inspect it, so it is down to luck / risk.
Direct oil feed is a solution to a problem that some will say doesn't exist, but is a guaranteed way of providing an oil supply to the bearing. If the bearing has survived to date, then there is some indication it is getting a reasonable supply of lubrication.
For me, I would keep the £2k you are potentially considering to spend and the next time a job appears that allows access to the bearing, get it checked and then decide on the course of action. As is sensible advice from the indy, carry out all the work you need to do while the gearbox is out like engine parts, transmission parts, brake pipes, mounts etc. and if you want, a direct oil feed. This is what I am doing. Even though I have preventative maintenance instincts, I wouldn't carry out significant work simply to check the bearing.
Of course, as some members have on here and others who post on other websites have experienced, unexpected catastrophic failure can happen and could happen to you or me tomorrow!!