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My guess would be do you want to spend what it would cost to put a new/used motor in and hope this new/used one has no issues while also obtaining a warranty on said motor.

I'm also located in the midwest area and our cars resale value is already bad so no doubt this will make it worse, poke around shops asking for some rough estimate prices on a used drop in, but if you plan on doing a drop in, then you might as well run it into the ground

If all else fails part it out