I agree completely, but there has been more than one post on the Disco3/4 forums in the UK along the lines of "I pulled the sump and some of the main bearing cap bolts were loose". Now, consequence of assembly, design or act of god. The result would wind up the same.
Something is causing these engines to apparently "randomly" lunch cranks, and nobody has been able to definitively figure it out.
I'm not pointing the finger at loose caps. I'm just sayin that a cap rattling around with a bearing shell on it ain't running the appropriate clearances for that bearing design. That would certainly lead to "less than optimal" oil pressure and/or the chance of the shell hitting the crank in an awkward position and that ball of twine could come unwound pretty quickly if that came to pass.
While I'm wildly speculating, it could also result in extra deflection of the crank leading to fatigue.
I don't know. All I know is the crank my car was born with went at < 120,000km and I'm hoping lightning doesn't strike twice.


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