Regular oil changes are a great idea, but unless you are on a forum like this the average Jazz owner has no idea there is a problem with early model gearboxes and will feel safe going by the book. Until I joined Clubjazz I had no idea there was a problem, and after 90K miles any damage was done. In fact, by the first normal gearbox oil change at 72K/six years the damage was probably already catastrophic.
Personally I don't believe swarf was the problem, as it is always input shaft bearing that fails. I would have thought swarf would affect the entire gearbox. The rest of my bearings came out like new. I suspect a change of spec for that bearing was probably behind the issue, as manufacturers try to go cheaper and cheaper with components.