There is so much written on the subject of IMS, that it can be a minefield to a new keeper.
Some simple facts are that your car has the single race bearing and is more susceptible. To put this in context the chance of failure is still very low. I believe the analysis which predicts 9% by 90k miles is flawed and pessimistic.
I do think it is wise to replace this bearing every 4-6 years and definitely when changing the clutch.
So to reduce risk of IMS failure I advocate replacement with a like for like bearing. I believe the act of replacement, which involves hoovering the resident oil from the cavity is as important as replacing the bearing. If you want to reduce risk even further, you can replace with a ceramic bearing (extra cost). If you want to reduce risk further still you can look at Direct-oil-feed solutions.
So it becomes a risk versus cost trade off, but I believe you get most of the benefit with stage 1, without much of the cost.
KR Lee