Definitely not a Pinto. I had a 92 Tercel and all I really got from it was a little oil but because i did not have the stem seal (Valve seals) replaced. This never slowed down my vehicle's performance, and my fuel economy was still great.
Remember that Tercel recieved a
J.D Power and Associate Award for best quality in it's class.

That means that that it was the best build compact vehicle overall. Don't listen to those guys who want to repair your car, no matter how experienced they might sound.
Do you know how many times I did not check my oil level when it was time to to feed it nearly almost 2 quarts and my engine never broke down. This problem is not major because its very inexpensive to fix. Other vehicles suffer much more serious an expensive problems.
Sometimes people will replace other things that could be related to the problem to ensure the possibilities. Sure it's a nice to replace everything brand new in the engine but. But Doing what is not necessary might be a waste of time and money. Think about that.
If your having loss of power, look somewhere else; cause its definitly not the stem seals or the piston rings.
I would save the embarrasment, and repair the stem seals if it is smoking really bad.
And still; you can run Tercel for another 90,000 miles without repairing this problem; it's been proven.
That to me is reliable.