Do it yourself head gasket job will take you about 20 hours to do it all (with engine in the car) and would cost $40x2 if you replace just gaskets although I would do the timing belt and water pump at the same time (another $150)
Do it yourself engine replacement will take you about 9 hours to do the actual replacement plus another 4-5 hours to get the replacement engine ready (waterpump, timing belt, plugs and camshaft cover gaskets) and will ring you at about $1000-$1500 depending on the replacement engine mileage.
Just gently encouraging to use your own hands and head instead of mastercard :-)
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