I replaced my reverse soft plates and the front seals only, about 3-4 years ago, and all is still perfect at 220K. Everything else I checked looked brand new.
The issue with waiting is the potential for additional damage in the tranny, due to the soft plate material coming apart and clogging up the filter and/or small passages. If it's already to the audible clicking stage, then the clutch plate basket is shredding metal chips into the tranny - not a good thing.

There are arguments pro-con about doing just the B2 soft plates vs a total overhaul, sinch the RR cost is a major part of the expense. In my case, my tranny was working perfectly except for the reverse, and I was more comfortable with just going in and fixing that, since I did all the work myself. Really easy to get to the B2 plates, by the way, once the tranny is out and on the bench.

DG