A HG job on a typical Subaru is a giant PITA job. The heads are buried in the engine bay. Ugh. Also, Subaru dealers have decided that this "mishap" is actually a large revenue opportunity for them! Most Scoob indies I know charge $2500 or so P/L including changing out the timing belts and pulleys and water pump while they've got your car all apart. I've heard some dealers might come down to $3K or so if you're a regular customer and they think they'll lose you.
The bummer is that most owners are hooped. Suppose you have that 2011 Forester. It's still worth over $10K - you can't walk away from it. But, try selling it with a huge bill looming - even dropping the price, you're hard pressed to sell it. So, you're boxed in. (get it...)