Which doesn't add up at all. From their explanation and after my own research the cause is usually low oil or oil starvation, which doesn't seem possible because I check the oil regularly. Never once was it low and never once was there a leak. Besides checking it manually a sensor would have alerted me if that had ever happened. I follow a strict schedule for getting the oil/filters changed also. So to my mind that means something prevented the oil from getting to where it's supposed to. Does that sound logical? I just want to understand why this happened, it doesn't seem possible that a 7 year old vehicle's engine could just go kaput with zero warning signs and no good reason. Not to mention that if I were to eventually replace the engine who's to say it wouldn't happen all over again, since the problem is still unknown.
Those are good questions. You might want to ask them of the folks at the engine shop, and see what they say.
I called Client Relations and they checked to see if any recalls or defects had been reported for those components and no dice. So basically I'm screwed and get to keep making payments on a car that's inoperable.
It's a fact of life that when you buy (or own) a higher-mileage car whose warranty has expired, you are responsible for any repairs that are needed, and you're taking a chance that they might cost you a lot of money and hoping that they won't. If you encounter the need for a major repair, you're stuck between a rock and a hard place - you can pay several thousand dollars for the repair, or you can sell the car but you're probably going to have to discount it by at least as much as the repair would cost.
In exchange for this risk, you paid a whole lot less for your used high-mileage car. I'm guessing you paid somewhere around $12-14K for your 2005 MDX - maybe a little more than that, maybe a little less, but somewhere in that range. I assume the engine shop gave you an estimate for rebuilding the engine, and you can also shop around for used MDX engines on sites such as eBay and car-parts.com Even if you have to pay $5K (just guessing here) for the repair, you're still way ahead of the game, compared with paying $40K for a brand new MDX.
If you don't like to accept the possibility of paying for an expensive repair, you may be better off with the alternative - buying a car that is new or certified used and comes with a warranty. It will cost you a whole lot more, too; that's the trade-off. (You can also buy an aftermarket warranty for your car; they can be expensive and are often not worth the money, but they can reduce or eliminate the chances of an expensive repair.)
My SO and I have owned a lot of cars over the years. We've had four different cars which we maintained meticulously but which, after 10+ years and 100K+ miles, reached a point where the engine needed rebuilding/replacing. I had two engines replaced with used engines, had one rebuilt, and donated one car to charity. When a car reaches the point when an expensive repair is needed - sometimes with warning, sometimes without - it immediately drops in value by the cost of the repair. Would I buy another used car without a warranty? ABSOLUTELY!!! I got a bargain by buying a 7-year-old MDX for a third the price of a brand new one, and even if I have to put another few thousand dollars into it, I'm still WAY ahead compared to buying a new one. So far, I've driven mine over 20K miles, and it hasn't needed much other than routine maintenance and a few parts that commonly wear out (shocks and brake pads). If at some point it needs an expensive repair, I'll pay to get it done and I'll still be smiling.