... I have never rebuilt an engine. I guess I should get a quote at least. What work should I have done? This is uncharted waters for me. ....
I wouldn't let lack of experience stop you. I say this as the guy who got held up by a window regulator.
In the '90s, I had a '68 Dart with a small block. Ran awesome and hard. Then one day it started making a god-awful clatter. I didn't know what was wrong, and I couldn't get a straight answer. My genius plan was to rebuild the whole thing, figuring that I'd fix whatever was wrong.
I yanked the engine, found some machine shops locally, and dissassembled it. Bores looked good, bearings looked good, and I found the source of the problem: flat lobe on the cam. I had it hot-tanked, put in new bearings all around, new rings, cleaned up the heads, new cam (unfortunately, the same grind, which had too much lift for the stock valvetrain, causing the flat cam), and then did the reassembly myself.
I bought the book, How to Rebuild Your Small Block Mopar and followed that, along with the help of a friend. Went back together really well. Car ran well, and had no problems (other than the too-big cam) after that.
One advantage of pulling the heads is putting in hardened seats, so it runs reliably on unleaded gas. You can then put in thicker head gaskets, as suggested, so it runs a safer compression ratio. Then, just take a look. Do the bores look good? Any ridge? Gunky? You can probably turn it over and look at the bearings (someone can confirm if you can untorque them and then safely retorque), and see what it needs.
If it's nothing, you then know it. If there's a surprise, it will be a much smaller surprise than if you put the engine back in first.