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my xj blew its head gasket (they 4.0 is pretty notorious for doign that so dont feel like it was your fault) and had it repaired for just over $800 from a mechanic that my old man has used for almost 30 years so he doesnt charge anything over on parts and his labor is a little cheaper
if you dont have a mechanic like that you should look at about 1000-1100..if you go to a dealer you could easily be charged 1500+
no overheating issues + no antifreeze leak = not the thermostat
it's a bad headgasket..and just liek barefootin said just check the oil on your dipstick and that will confirm it
Also, the thermostat has no bearing on whether or not a rear main seal with leak
sounds like you got ripped off by a mechanic