Well I put almost 200 10.70-10.50 passes on a junkyard shortblock with the origianal bearings and rings in it. (no caps or girdle) It then went in another car and was driven for about 4 years without problems, secret? no knock, car would have gone 10.20 with an agressive tune up. When we finally took it apart the bearing were wore very bad on one side and looked fine on the other. (crank twist) Bob had a 4.1 stage 1 with a steel crank that he drove very hard at the track a few times and lots of street miles, 2 broken main caps in the end and the bearings were not too bad but lots of cap movement and metal transfer. Dave Bamford had many 9 second passes on a 109 block with steel crank and billet mains, no girdle, this one had an argressive tune with no block or main problems until the block finally failed in the low 9 second area. This makes it hard to anser your question unless I know more about the car and set up, there is no "general" answer. In my experience the caps are my first choice over a girdle. And yes I have seen stock caps break with a girdle installed, it does hold them together however.
Mike