The risk is yours, I also have a problem replacing something which is not broken. I recommend that you closely inspect the rubber on the harmonic balancer. If you see the any crackes in the rubber it will fail soon. Mine went out at 78,600 miles.
In what order would you rate your 3 cars (Acura, Jaguar, Mercedes)?
1998 Mercedes E320, 200K Miles
2001 Acura 3.2TL, 178K Miles
1992 Chevy Astro, 205K Miles