Unfortunately, where there is one mealybug, there are often more. And they do spread to other plants that are nearby— I would definitely keep that plant and any you got with it in quarantine for another 4 weeks. Or, you can commit to treating your whole collection if it comes to that. Mealybugs are a problem because they spread and reproduce quickly and affected plants decline and die if not treated.
As you’ve noted, there are lots of tiny beneficial insects that can live in soil. If it’s not doing any harm, you can leave them alone. Healthy media is alive with organisms.
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