[Solo_M_Tech]

Here is my take.

$2500 for bearing swap to Callico Coated bearings is cheaper than $15,000 for a used or $25,000 New/remanufactured S65.
($15,000 includes the cost of a used engine from ebay, with labor for the swap and new bearings.)

Is this issue hyped up? Alittle. The actual engine failure rate is pretty low.
Should I swap my bearings? Probably. For me this was piece of mind. For the 6 owners
I've swapped bearings for, the same. There engines showed signs of premature
wear and needed the swap sooner than later.
Have I seen an engine failure due to bearings? YES. 4 of them in a year. One
supercharged and 3 NA. 2 cars 6MT and 2 DCT. All driven hard.
Do I have a theory? Yes. These cars are rarely driven hard enough. Most people
baby them around, and when combined with preignition due to improper tunes
(stock bmw tunes included), lugging ( IMO less than 3k rpms under load), and
already tight oil clearances these engines take a beating.

Now lets stop beating this damn dead horse. If you want to change your bearings as piece of mind. DO IT.
IF not, ride it out. They call it the German lottery for a reason.