I'll agree with most of what Grit Dog said.
The 7.3 was a fantastic engine and would go 400k easily. Then came the 6.0. It exists because the 7.3 could not meet EPA requirements. It was rushed and engineered poorly. The 6.4 was brought along to address the 6.0's weak points, it was a bandaid fix at best and Ford was already planning the 6.7 at this point.
Yes, the 6.4 has to be properly "modded" to really be reliable, although I have heard of several "bone stock" trucks going 2-300k.
I was faced with this dilemma last year. An injector stuck open, melted a piston and damaged a cylinder. I had to chose between a new truck or fixing the old one. Considering the price of a new truck, I chose to fix my truck. I spent about $16k and that is doing the work myself, but I have it built exactly how I want it.
OP will have this decision to make. Keep in mind, this can happen to ANY diesel.