1990 T4r 4x4 w/ auto; 210 miles: Faced with same dilemma; time was an issue. Majority of the shops in my area do not have the special equipment to rebuild, they basically will either replace with a rebuilt or a used, usually find the warranty is limited to months. I ended up going with a fairly local engine rebuild shop I have used in the past, aint cheap but they offer a warranty and from my experience do quality work. Now going on the 1st year of a 3 year warranty and so far Okay.
Had same issue with another family vehicle, again time was an issue. purchased created engine from shop out of Washington, could have delivered to shop, or home w/ 7 year warranty, now going on the 8th year? Anyhow, had an urge to chime in.