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I have an '02 J-vin with 170,000 miles and no problems yet, including having blown the serpentine belt and needing to drive it about another 3 miles before clearing the road. I believe it is a combination of mettalurgical formula for the block and heat. I have read the entire stripped headbolt discussion on this forum and it seems that Toyota may have had up to 4 different manufacturers of blocks at one time. It seems to me they may have had a bad batch of blocks, but the information needed to figure out the effected vehicles is not easy to come by (people do not post the manufacturing date of a car with the issue, or a location of manufacture). I do believe that the coolant is important in preventing this issue. I also talked to a tech at the dealership I frequent and he said, in the time these cars have been out he has only done 2 of them.
I knew about this problem before I purchased my car, but I figure since inserts fix the problem if it occurs, then I am aware of the worst problem to occur with these cars and the appropriate repair. I don't worry about it (I try to keep up on maintenance) and I will deal with it IF and WHEN i get this problem. I also have the repair parts planned if I need them. I intend to use the NS300L inserts. They were designed to fix a similar problem on the Caddilac Northstar V8 engine, so they should be a great fix for an I-4.
Personally you should not worry about the problem, you are aware there may be a problem, as well as a repair for it, enjoy your car for as long as you want. Treat it well and it will treat you well. I intend to go for 1,000,000 miles in mine, and have no doubt I can reach that.
Good luck.
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