My engine(s) still have time left to TBO, so should I wait until engines are due for an overhaul?

Pratt & Whitney Canada (PW&C) offers an engine credit for every hour remaining to the factory TBO. To qualify, the core engine must have enough cycles on the life-limited components to make TBO and all records supporting the component times and cycles must be present and submitted. Waiting until TBO risks the possibility of a core engine problem, resulting in additional core charges from PW&C. Also, prices from P&WC increase every year, so waiting two or three years would mean a higher investment without any of the time-remaining credit.