Severe Chain Guide Debris - Oil change

[Shawanabear]

Hey everyone,
I just took my 2002 Boxster in for her oil change today (120,000 KM) and they're telling me "Severe chain guide debris was found in the oil filter. This repair would require a full engine tear down to fix. Inspected with shop foreman to confirm"

I'm going back in 1000 km so they can see the extent of debris being deposited into the oil filter - it may be very bad, or it may be nothing at all (note, it's been 18,000 km since my last oil change).

Does anyone else have experience with this? It sounds uber expensive to repair, but I'm not ready to trade in my baby. Thoughts?