I think it depends on the condition of the car. 95k miles and impeccably maintained, paint cared for and waxed every 6 months probably makes sense to fix.

But if the interior is falling apart, the car is showing early signs of rust, the clear coat is failing and it needs new brakes, radiator is leaking, etc, it's probably best to cut losses.

Remember the engine is just the engine. They have to unbolt everything that attaches to the old engine and bot it on to the new one.

Insulation on wire goes brittle, breaks when you bend it. All the plastic bits on cooling system are good candidate for replacement, shouldn't cost extra in labor but you need to pay for the parts. Motor mounts for sure should be changed. If it's a manual transmission inspect clutch carefully and overhaul if nearing end of life, etc, etc.