Rebuild or replace, that's my question on a Navigator gearbox

So I'm stuck between two options and I can't decide. My 2016 Navigator's transmission is done, confirmed by two separate shops. One says rebuild it and the other says just source a used unit and swap it. The rebuild quote is higher but comes with a warranty, the used unit is cheaper but I have no idea how the donor car was treated. I've also seen best Lincoln automatic transmission overhaul mentioned when I was researching, which makes me think a proper rebuild is the way to go if it's done by someone who knows these units. But I've also heard rebuilds can be hit or miss depending on who does the work. For those who've been through this, did you rebuild or replace, and how did it hold up long term? Any regrets either way?

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