Failing fan bearing on HP Pavillion DV4 laptop?

I have a HP Pavillion DV4-1431us laptop. I’ve had it for about 2 years now and then it suddenly started to make this loud noise. I took it in for repair and their exact words were:

"The noise experienced is caused by a failing fan bearing on the internal heatsink/cooling fan assembly. If the fan fails the CPU will overheat and possibly cause system failure and/or data loss and corruption. The heat sink/cooking fan assembly will need to be replaced."

So I have a couple of questions.
1. Do I replace only the fan or do I need to replace the heatsink and fan all together?
2. What exactly do they mean when they say all of this?
3. How long would my laptop last if I don’t fix this problem?
4. If I buy the part, would I be able to do it myself?
5. I found some "compatible" fan parts online, not sure if it really is. Here is the link: http://www.sparepartswarehouse.com/HP,Laptop,Part,486844001.aspx

My laptop is the Dv4-1000 series. My p/n is the NU995UA\

Please help. I really need my laptop.

Thank you!

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