As someone who has had an engine rebuilt, I feel qualified to comment.
Most views expressed so far, seem to me, to relate to what the poster feels is the most economically sensible scenario as they see it.
Indeed, these cars are not going to be valuable in the future. There were just too many built.
I think you can wait for either signs of, or if unlucky a failure. Of which there are several well recognised and published modes. Though now these cars are 20 years plus, the most common failure mode may change from IMS or bore score to main bearings or chain failure etc who knows? (As Ghianightmare suggests, maybe Hartech have the best data)
I was lucky and discovered (through monitoring oil filter at oil changes, and a slight drop in oil pressure at idle than was normal) that one of the main bearings was virtually shot
Alternatively, if you intend to keep the car, not sell it / try a different model / get an Audi or TVR etc etc. Why not spend less now, rather than more later when a failure has (possibly) caused debris to be dragged through the oil gallery's, pump, scoring crank journals etc. Making fixing it much more costly?
It's a financial gamble. Lots of members may suck up the cost of fixing a borked engine. Some will (unfortunately) sell to some unlucky garage or punter as they know it's on the way, others may sell on the rest of the car cheap for spares and repairs. The last two opinions are undoubtedly cheaper than splashing £10k plus on a rebuild.
These cars aren't going to be allowed to be driven on the public road, in the manner that some of us do, for many more years. I'm enjoying thrashing the pants off my Hartech rebuilt engine. It goes better than before, I'm happy it's reliable and will deliver for many years to come, rather than fretting over IMS bearings, bores going oval, bearings running up, etc etc. As a bonus it delivers at least 3 mpg more than before however I drive it, which goes to show how much tighter the piston clearance is now.
You pay your money and take your choice. Others might not agree but then it's not their money is it?
If you get your own engine out, get the bores re-rounded and restraining rings, I reckon Hartech could replace your bearings and fit the larger Ims for a very decent figure. The choice is definitely a matter of opinion though!
Good luck with whatever you decide. Cheers