cam98,
Slow down a bit here. I believe these generation 4 5SFE motors have an extended wauranty on them due to the sludging problem. Do a search on this site for "sludging problem", learn as much as you can about it, and then call Toyota corporate in California at 1-800-331-4331 and talk to customer service. You will need documentation of regular oil changes so be prepared to provide it.
Good luck.
Mike