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The reason the brakes being changed is almost equal to a front end rebuild is because you have to remove the hub and wheel bearings to replace the rotor (inboard rotor). If you're in that far, it's not much farther to finish the seals and inspecting the Birfields as well as the trunnion bearings. If you plan on keeping it a while, do it right.
I get the $1500 for the head gasket because of the replacement gaskets, head machining, new valve guides and seals. Depending on where you are in the world, machining can be expensive.
Mine is my DD that I bought because it was a "cheap" vehicle and I could throw money at it when I had to, rather than pony up for a new vehicle with all the money at once. Because all I can afford is a 18 year old vehicle that is deemed to be "The most reliable vehicle in the world".
I am NOT made of money in any sense of the word. If I had the money and time to have an "Extra" vehicle that I could put 3000 miles on a year to go camping, that would be great, but that isn't the case.
However, I have also learned in my many years of turning wrenches that time has become more valuable than my money. If I'm going to tear into something, I'm going to replace everything in there at that time, so I don't have to do it again in 15K miles. That's not because I'm made of money, that's because I have EXPERIENCE.
If I'm going to pull the head, it's going to get new guides, seals, a valve lap or re-machine, and resurfaced. It will also get the most reliable head gasket and new bolts/studs so I don't have to do it again any time soon. That's why my low-mileage vehicle is at 162,000 on a Chrysler minivan.
In the OP case here, he's planning on throwing away the 4.5 when he gets to it. That changes the entire picture.
What is YOUR intended use and MY intended use could be worlds apart.
The long and the short of every post here is that it's worth exactly what you paid for it...$0.00.
If you start a new thread for every thing that you have a problem for instead of searching the archived stuff, then everyone that follows has to read that many more bull**** posts, rather than having all the related items in one thread. When was the last time you did a search and read EVERY post that it came up with?
Differences of opinion. That's what makes this forum great. Now, let's keep it tech for the newbies.