Quick and dirty or right and pretty the only way you are going to know for sure is to get out a micrometer and check the crank.
Too many things may or may not have happened to the engine before you took posession of it to even attempt a guess.
Additionally there may be wear that will dictate the need to pull the crankshaft for machining.
99% of the time this wear will be on the one journal you did not measure before ordering a kit because all the others looked good.
Regarding the main bearings; you said you had the pan off, if you take a closer look you will see that you can remove the bearing caps. The shells can be rolled into place without removing the crankshaft.
Judging from your questions It would seem likley you have never done this before.
I am not saying you should not attempt this but I would not try it without a mentor to show and help you through it, it is not rocket science but there is a level of finesse and knowledge required which without you will be setting yourself up for an expensive lesson.
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