XP 900 motor needs rebuild-a little too much sand

2012 xp 900. About 2500 miles. Burns oil, hard start. still have power. runs good when warmed up. a crappy filter at the dunes contributed, although always had a knock in the motor, so thinking about a new one. So my questions and thoughts for your consideration.I appreciate it!!! I have mechanical ability to at least remove/install. But don’t know if I want to deal with it.
-should I get a new crate motor or a rebuild?
-should I have mine rebuilt?
-anybody know what the cost of a motor r and r would be?
-should I just take to a dealer and pay a boatload of money?
I am in AZ so any recommendations for specific folks that do a good job appreciated. I see by other threads that some vendors here can help. In a perfect world, would like to drop at a good shop in Phoenix and have them do it. Assume some motor upgrades could be in the cards from a good shop? Of course this all comes down to money! Any info on costs would be greatly appreciated. Thanks in advance.