I got complacent. I got lazy. Despite having my car serviced only at dealers since I bought it new in 2004, I wasn't treating my XC70 with 165,000 miles on it like a "used" car. I didn't check the oil between 6,000 mile changes. It's all my fault and I know it. It makes me sick to my stomach to know that I could have prevented a major issue with just a few minutes a week of checking the oil level. Now it's done and I need to move on.

More than likely, the "knock" in my car is coming from a lower rod bearing, per my Volvo dealer (whom I trust very much). I am leaning toward a re-manufactured engine due to the warranty, but I'd like to keep the original engine and have it fixed. This would likely mean potentially more work, cost, and time than getting a re-man engine.

Any thoughts, advice, actual experience with making this decision?