2011 Explorer 87, 000 miles. So 4 months ago, my water pump went and I paid $1200 to fix. (Long story but back and forth to dealer because in the process they cracked oil pan, but in the end all was good and running well.) Recently engine starting to click and make spinning noise when accelerating. Dealership has had my car 2 days now and finally just said they figured out it's a bad engine. Found metal flicks in the oil. They said could just replace timing belt but that's "dicey" and don't recommend. Getting back to me on price but range for new engine 5-7 K. UGH! Please, I need advice. Do I replace or not? Thank you!