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Last time I had the clutch done (about 20K km ago) it had a new flywheel and a new clutch fork from Toyota put in. The only thing they didn't do was the bearing (my bad for assuming it would be replaced since it was opened up and they're fairly cheap). I haven't even been off road with it since. Very frustrating. Could just be a s**t OEM clutch kit I guess.
Anyone see any problems with just going with it as is for as long as I can get out of it?

As others have said, bad TO bearing mostly make noise, but but do not cause engagement problems.

I have seen *ONE* extreme case where the bearing seized & got the diaphragm spring hot enough to bend the tips to the point where an otherwise perfect clutch didn't work. If you live long enough you get to see all sorts of strange things, I guess.

You can probably wait for failure if you feel lucky. Keep in mind that the failure will *always* occur at the most inconvenient time in your life. Only you can make that choice.

Dave