From what I read, it sounds like you think you need bearings and a lot of engine work, and are toying with the level of engine replacement or major machining. If you suspect a major sludge issue, a small amount of solvents added just sounds like a surefire way to be stranded somewhere when a large chunk inevitably breaks free.
The BG super mega ultra engine flush kit thingy, if you are comfortable with it, will probably be the best. It removes the sludge by dissolving it and then completely replacing the filter at each stage (as you know).
I've not used it but my engine isn't *that* dirty. I might because previously using solvent additives didn't help, but I don't have sludge issues or oil pressure issues... it would be preventative for me. I have no skin in this game.
Put it this way: you may be at the point where you need to do something drastic anyways, so this will either fix the issue or show the problem right away. Just monitor the oil pressure during the flush in case there is a sudden drop, because that could actually cause major harm if the sludge blocks the pickup.
Point is, it's cheaper than machining an engine, and you said it usually takes a bit before the oil pressure becomes a problem after an oil change. Then if you replace cam bearings anyways, you know they'll be good for a while.
I don't work in the automotive sector, but in a bandaid vs bite-the-bullet scenario, I generally don't recommend prolonging the issue if you can find the problem or solve it by trying. If it were my daily driver, my choice would be the full flush at this point. I can beg, borrow, steal (ymmv) a ride for a few days to work or get a rental car while major work is done, which would have to happen anyways if the engine goes to a shop. Or it fixes the issue.
I'm not anybody you know, so grain of salt and all that. I'm just a dude on the internet.