I have not checked the cost of switching to ceramic for quite some time, but as I recall, the upgrade is a bit expensive. I had an occasion to replace a thrust bearing on my saw and the cost was nominal. I do not know what the cost of replacing a guide bearing would be, but at first blush I'd say that if cost is an issue, I'd wait and see how things go.
I say this due to what has happened to me before I became so ill that I have, for the time being anyway, not been doing any woodworking, I was spending money on every new gadget and tool that came up on the forum that it was becoming rediculeous and I so I stopped buying things unless I really needed them. Of course by then, there was not much to buy that I didn't already have.
If I had to do it over again, I'd be a little more careful about buying things that I didn't really need.
Just my two cents worth,