Your title is a statement rather than a question, which is probably appropriate.
I have vaguely heard though that you can measure the belt to detect swelling, though I dunno how reliable that is
I'd think oil analysis (even something simply DIY able like paper chromatography) might provide a warning, but AFAIK theres no available data on that, so you'd be on your own. Without some oil samples from failures it wouldn't be possible to work up a method.
Could a fancy bendy endoscope get you a look at the oil strainer?
Actually measuring oil pressure (which I assume the car doesnt do, because that would be useful) might also give earlier warning
The question would be, how likely is it that my wet belt will fail without warning? And the answer is probably that if anyone knows, they are probably keeping it a commercial secret.
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