I have to disagree. I wouldn't spend the $100 until I knew I had to. I'd definately try and adjust the fingers through the inspection hole as per the link I posted above. It's not that hard, doesn't take too long, you can do it by yourself, and it's free!
If you do decide to spend the money and you have to replace parts, do not replace the TOB with a ball bearing type. Use the original graphite type, just pre oil it in a can of motor oil, then grease it before installation so it doesn't go in dry. The ball bearing type will not last near as long as the original style.
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