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The IMS bearing failed in my car, and the IMS bolt broke. The previous owner drove it a block on a neighborhood street to get it home while it sounded like marbles in a tin can, then shut it off. No valve to piston damage. The IMS drive chain did dig into the block a bit giving the block a distinctive hickey. A couple of grand in parts (just parts) later and another 250 in head work (from a friend) as well as a bit (quite a bit) of time spent rebuilding the mess and it's right as rain.
Check your oil filter for ferrous metal (bring a magnet) and if you find it, unless you are curious or a bear for punishment, the motor can not be economically rebuilt unless you are capable of doing it yourself. Even then parts are blisteringly expensive.
If you find metal shavings in the oil filter your best bet is to sell your car as a roller, or source a replacement engine.
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2003 S manual
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