I know what your going through, and have also read about many different alternatives when rebuilding. Most of the time it seems to be the PTO/clutch side bearing that is the most prone to failure. The PTO bearing let go and started vibrating on my brothers 1998 FIII 700 last year with 11,500 miles on it. Luckily it never locked up or blew apart. Taking into consideration how long the original lasted, the repair shop decided to pack the new bearing with isoflex grease instead of doing any drilling of the case. Isoflex is also used in most if not all of the new twin engines. I guess it depends on what you find when you tear it down as each situation can be different.