Heart broken here. Suggestions??

My wife’s 2019 Jeep Grand Cherokee, sole owner, just tipped 50K miles, 4 months left on the payments. She’s babied this thing and really only drives the damn thing to work.
Started smoking white all of a sudden, so yeah, thought the worst.
Cracked cylinder head - left side only. I’m disgusted and flabbergasted. Our 6yo AC with a 5yr warranty just went out last month so we are bleeding money. Nor here nor there… See the dealer mechanics report.
Really wondering why it’s going to take $5K in labor to change out an $1800 part off the top end of the engine. Even at 200.00hr, that’s over 25hrs they say will only take a couple days to do??! WTH? Should we shop this around to independent shops maybe? How does this happen to a practically new vehicle, imo or do we just expect the worst because it’s…a Jeep.
Any suggestions are appreciated!