Our N20 has known problem of timing chain alignment guides, and subsequent stretch, and valves bang the pistons.
I've heard Dealers talk about oil maintenance, but I think that's diversion.
It seems there was a revised guide installed around 2015.
This has happened many times and should be recall of guides, but as a little guy I'd go find a body totaled X1 with N20, and buy it salvage value for the engine and maybe wheels, etc.
Lots of WET totaled cars in US South after hurricane season...