We may have scared Peter off with all of the $15k quote bashing....
Not scared off at all and I appreciate all the perspectives and suggestions.
Regarding the vague "engine is toast" diagnosis, I'll have a horse's mouth description of why this route is suggested but I honestly can't remember all the mechanic speak he threw at me and have asked him to document this via email.
He originally began thinking it would need to be a total reseal but after spending more time in there and taking over to a smog place and getting a dire reading he switched course.
I've checked the coolant every morning before I've started it, had one eye on the temp gauge at all times and kept it topped off with oil. I only had the pleasure of putting about 4k miles on it myself, many of those were long distance highway miles. No smoke that I witnessed but I for sure smelled coolant. Engine sounded fine to me but I'm not an expert and it's my first Rover. After it threw the codes it sounded like hell.
A diesel swap is probably not an option I'm going to have the time to pursue although I'd buy a new solid axle defender 110 that was street legal in CA