Well, this is a loaded question.
My 95 ATX was babied it's first 74k by the original owner, Mobil 1 receipts, all maintenance, etc.. I got the car at 74k, did the 60k service on it, kept with the M1 (because it had it from day one), and I throw money at my cars even when they don't need it. I spun mine at 104k.
My 95 MTX spun its at 72k, right after the blower was put on.
It's been pretty well documented that some cars can go hundreds of thousands of miles on the original bearings, while others barely get to 100k (if that). I think if anything, driving style CHANGES probably factors more than anything at this point. I also would love to be able to follow up with some Ford research on production to see if bearing clearance tolerances off the assembly line had anything in common wit those that spin early.
It's about $50 for the bearings, $50 for the gasket sets etc., and your time to do the job.
Welcome to the forum, BTW, and best of luck with your SHO!