I don't know if its age thing or just the old school of thinking, In my mind a Bronco is a 2 door.
My wife wanted a 4dr but I told her she could pick the color if We got a 2Dr.
I had a 2015 pickup with kinda the same issue, I live on a gravel road, was getting tons of stone chips, If you looked at the tires when I would get home, each one was loaded with stones, Had mud flaps installed solved the problem, so you really can't blame it on the Bronco, its the choice of...
Just looking at all the window stickers, destination/delivery fee is the same for all, from California to Texas. I'm in Michigan only 2 hours away and its the same. I would go pick it up if they would let me. lol, oh well I guess it makes it simple, one cost.
Even though its looks bad now, As long as your dealer is good with good mechanics, I would not be afraid of an engine swap. I have an 2020 F-150 with the 2.7 and the 10 spd, and I Love it. But its the thought of them taking your baby apart that's the hardest. Just don't visit the dealer to see...