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My job is managing the software that runs the maintenance at multiple mills. Seeing how a missed pm on greasing a single bearing can shut down a whole mill for several hours has opened my eyes.
I don't over maintain, which can be as bad, but keep up on it and watch for issues, life is smooth. Ignore your maintenance and it will bite you.
I swap my belts on my S2 every three years. Probably less than 2k miles, but a few hundred bucks and an afternoon is much better than several K on rebuilding the head. Well worth the piece of mind.
Jeep gets all zerks lubed after an off road adventure. Gives me a chance to inspect the suspension for any damage.
BMW, well, an oil change every 15k whether it needs it or not. Otherwise it is rock solid.
Other than the occasional flat tire, nothing has left me on the side of the road.
PM can be expensive and unpleasant, but less sucky than breaking down when you don't expect it.
Better to replace a suspect part in the garage rather than a broken part on the side of the road.
That being said, we still have mills go down because they thought they could skip some PMs and save a bit of money.
Just my .02
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