Generally, you don't want to wait for symptoms. Once there are noises that may be potential symptoms, you probably waited for too long, and should not drive - you don't want to damage the crankshaft. One way to get some information without major disassembly is to send an oil sample for analysis, if you haven't changed it in the previous 1K miles. Watch out for higher than expected lead and/or copper.
You also should include more information about the car - production date, mileage, were the bearings ever replaced, how was the car driven, etc.