Right now, you have a "rebuildable" engine. Once one of those worn out rod bearings seizes up and puts the rod out the side of the block, you've got a boat anchor. Your choice whether or not to drive it. Do you like to play high stakes poker? Yes, you can check most, if not all of the bearing clearances by dropping the oil pan. The #1 main bearing is a little difficult to check, but it's doable. If any of the bearings are showing the copper middle layer, it's time to replace them. The ideal oil clearance is .0015" (1 1/2 thousandths). Also measure the crankshaft journals with a micrometer (not a dial caliper) for taper and out of round.
Jerry

"It is better to be silent and be thought a fool than to speak and eliminate all doubt!" - Abraham Lincoln
Cringe and wail in fear, Eloi- - - - -we Morlocks are on the hunt!
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. - Ernest Hemingway
Love your enemies and drive 'em nuts!