3rzfe replace repair or rebuild?

I have a 2003 2.7 3RZFE with 198,000 miles, proper maintenance with documentation throughout her life, frame, transmission and paint are still mint!

Started losing coolant with no signs of external leak, no mis-fire, no smoke, no signs of oil in antifreeze etc. Found coolant in a cylinder after a coolant pressure system test, figured it's the beginning of a crack in the head or I presume likely the start of a head gasket leak.

Anyone have any input on the following options? Would love to hear some debate on my next option.

Repair: Pull the head, bring it to a shop to resurface, re-do the valves etc. Local machine shop with amazing reputation: $1,000 + extra if the head is cracked etc.

Replace: Yota1 https://209yota1.com/products/3rz-2-7l-rebuilt-engine/roughly $3,500-$4,000 essentially plug and play.

Rebuild: Pull motor, bring to same local machine shop with amazing reviews: $3,700
Includes: Clean, Bore, Deck, new expansion plugs, crankshaft grind, connecting rods, valve job, gasket kit, rod bearings, pistons, main bearings, thrust washers, oil pump, timing set, head bolts and a new head (if needed, otherwise around 3,000)

I know JDM motors are popular, but it feels like a crapshoot I don't really have thepatience to mess around with, plus none of the shops will give you any warranty unless you are a certified mechanic.

I'm comfortable pulling the motor, there isn't much to it other then time. I'm not really comfortable with opening the head andmessing with timing and the cams, so i'm leaning towards replace or rebuild.

Thanks for any opinions, except for ones idon't agree with. It's the internet after all?!

 

I'd rebuild or do what this guy did:

https://www.youtube.com/watch?v=WOcA6Dp8ZJQ

I know the video is about a 2TR-FE, however, I'm sure the whole process is very similar.