Depends on how much the garage want to replace it, you could try supplying your own engine for them to fit, call all of the breakers see if they have anything get on ebay checking daily if your quick on there you can some times pick up a bargain dont forget to call all of the rover breakers its the same engine that they put in the 75 and MG ZT BUT i dont know if the turbos are the same i think you might have to change over a few parts on them to make them fit.
They are not a bad job to do but i havent had to do one on a drive plus i have got ramps to work on with lots of space. Last one i got from ebay cost me