No, the base 1ZZ-FE engine is very common. You can use the
http://www.car-part.com" onclick="window.open(this.href);return false; website, linked earlier, to find one nearby.
To replace the timing chain, several other parts have to come off that side of the engine to remove the timing cover. Removing the cams doesn't really take that long, but you need to have the timing cover off because the chain runs on the crankshaft and you have to slide it off there. I think you can actually check for wear from the top with only the valve cover off, since it appears more than 8 links of chain are visible from up there, however if the service manual says X labor hours for the timing chain, you will be charged for the amount specified by the book. Honestly, at this point a "newer" engine would probably be more cost-effective than paying to have the clearance and timing chain replaced or checked. You'll have a lot of wear on the engine, although it's nothing for a Toyota engine, besides the valve clearance and the chain.
You can probably check the valve clearance yourself, it's just a big pain rotating the engine by hand as it's a tight squeeze to get on the crank bolt.
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