Need Advice (Timing Cover Leak)

Brought my 2016 Tacoma TRD Sport 2WD (66k miles) in for a routine oil change today and they found this. I did some research on here and other forums to see that it’s a known (and expensive) issue. (Dealer quoted $4k, private and trusted mechanic quoted $3,500).

Is this something urgent I need to look into having repaired? Or can I try to skate by without it?

Should I cut my losses and trade my Tacoma in for something else? I’m not thrilled about the current car market.

What do you all think? Any advice is appreciated.