Here is my mechanical opinion and actual experience.
I bought a 2011 Speedster in 2020 that was bought in 2012 and had only 55 hours on it. It was taken care of by another obsessive owner like me.
I read on the forums about the 2 year 100 hour rebuild and being a gear head, I pulled the SC and inspected it. I tested the clutch and it was flawless. I put it back in. I then proceeded to drive the crap out of this machine bringing it to 93 hours when blammo...
Now I hit the best case scenario, which was luck.
A week before, I had a weird short shrill sound but it went just as fast as it came. I swore it sounded louder after that but my friend who is another gear head thought it might be me. (I am certifiable mechanically OCD)
The next week is when I went out.
The bearings sit in a raceway with plastic fingers to separate the bearings. Over many heat cycles, this plastic becomes brittle and at some point in time one breaks, shears the rest off and the bearings lose their spacing. In my case, I was lucky as all the plastic fingers stayed in the raceway. Also, the shaft was not able to deflect enough to have "touchdown", which is the compressor wheel touching the housing.
For me it was a removal, send to the dealer to be rebuilt, then put back in and on my way. Again, I was lucky.
Worst case scenario is touchdown or loss of plastic parts into the PTO housing. Both have the consequence of either plastic or metal pieces ingested in the engine.
Now in late 2020, I rebuild the the SC at 93 hours. I am now at 130 hours and basically 2 years later. I will most likely rebuild next year or possibly the year after but I will not go 8 years like the original for obvious reasons.
Attached are some photos of the SC.
The moral of the story is.... I would not go over a few years for the rebuild regardless of the hours.