I would say to stay away from the import 1/4 ton market, they are a lot of money for what you actually get. Get a used 1/2 ton with a larger cab, more towing/hauling capacity, and more power.
I wouldn’t go into debt just for an engine. When you have the cash saved up go for it. 3 yr car loan really worth an engine upgrade? It’s all in what you have to have. Nobody can tell you what you to do when it comes to your finances
Depends on your needs.. I Bought a $43k Silverado a few years back and about had a heart attack, but it's paid now. I needed something that could tow a camper, tow the TJ on a car carrier, & handle all the fun stuff my family likes to do. I don't regret it. No way I would have been able to tow this kind of stuff with a V6 import. But, if you don't have a need for the engine & towing capacity, stay outta debt!