101k is nothing. I have a base-level Mitsubishi four-banger with 135k on it, and by no means have I even thought about doing anything with the engine (this after not having treated it all that well). My 328i has almost 172k on it -- I just told a guy today that I expect to get at least around 300k from it. Get yourself a new flat panel TV or something else you need more than your engine needs to be rebuilt.
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