Recalls dont expire. Therefore, the bolt breaking before you can get it updated is the same as if you ignored it and it breaks later. You're still covered for a no-cost repair. However, waiting till it breaks later while you're using the ST could be an incredible inconvenience and create a lot of unnecessary anger. If the bolt shatters while you're going out to dinner on a cold November evening in 2025, are you gonna be mad at Ford? Or at yourself?
Then again, only between 350-400 Explorers have had their bolts broken out of 238,000. So if you drive yours like a normal, average Joe, maybe you'll never need it. But if you like to drive your ST, I'd def make a plan for getting it done.
My dealership, whom I have a good relationship with, says they dont have the bearing press tool yet. Last I heard they said sometime in April, but could be even later. Yeah, I know they could get one from Harbor Freight, but they are representing a Manufacturer... so no, they cant. If they used a different tool than what Ford calls for, they would be on the hook for any issues that might arise from that, and on their own with no backup.
Anyways, I think you should plan on getting it done. Find a dealership, talk to people. There are good ones out there. Peace of mind and dependability / trust mean the world to me.