help with 08 800 engine

Fella’s I am new to the Polaris world and have an 08 800 rzr. 1. The motor uses oil (it has 5000 miles) 2. I have what I believe is valve train noise. I believe after reading all the stories about the piss poor air cleaner set up that this motor may have been "dusted". The previous owner told me that the air cleaner cover had fallen off and he put screws in it so it wouldn’t happen again… HMM! After reading many posts regarding this I am looking for where to start. I need to get through this riding season. I haven’t even been able to take this out yet. So any recommendations would be helpful. I could just keep an eye on the oil and let it rattle and hope for the best. I don’t want to destroy the engine in the process. Option 1 top end ,rework the head and new lifters. Option 2 pull the motor and do a complete rebuild ,big bore and rzr S cam. I had no idea these things were such a money pit. I do not have unlimited funds ( Harleys and vintage snowmobile oval racing see to that). Option 3 complete engine swap using a ZR800 efi Arctic Cat snowmobile motor that I have. So help me out