Bad choice of analogy Jim! Lidl had a choice of Romaine, Iceberg or Little Gem yesterday.
Seriously, your experience of rebuilding XUDs is much more extensive than mine.
IMHO,
all belts need changing every 60,000 or 6 years regardless of the manufacturer's service schedule.
Larry, fitting a replacement engine is much more work than just the head, especially if you are working on your own or don't have a fully-equipped workshop. Although I have had the head off our Xantia twice in the last 7 years, a year ago I gave the job of changing the clutch to a local Indy simply because there's too much heavy lifting involved, needing the proper kit and two experienced blokes.
Any replacement engine will be 18+ years-old and thus a very old pig in a poke - you'll have no idea what state it's in and you'll have to do much of the same work (belts, water-pump), replacing the head you'll know:-
a) the history of the base engine, and
b) that the part of the engine (head) most likely to give trouble has been overhauled.
I'd only take off the sump if what I saw or had heard led me to think that there might be bottom end damage. The XUD9 engine is an incredibly robust old-school diesel engine, all steel or cast iron below the head. Despite the belt jumping one tooth, and the engine sounding as though one big end was well-gone (I know what that sounds like from lots of engines in the past), the bottom end was perfect (at 120,000!) and I mean perfect: no detectable wear on any c/s journal or bearing shell just nicely run-in, good for at least another 250,000 miles.

The horrendous noise was all the clearances stacking up to allow the no.1 piston crown to lightly kiss the inlet valve as it closed. With the benefit of hind-sight, I could have simply re-timed the engine (all the necessary tools in the car) and resumed our journey across France with only the loss of a day.