'I was heading to Newcastle when there was a strange smell in the cabin  of musty water, thinking it might be an external smell I kept driving' - Newcastle can be like that! Just joking.
Dealer repair or reliable independent. Independents generally considered less expensive and more experienced, but not always. Advice from aulro Newcastle people might help in choice. How handy are you with tools?
Question becomes is it just the head is a problem or has damage carried on to pistons/crank?  
Reconditioned head or new? Reconditioned needs pressure testing to ensure water galleries don't leak, valves seated etc. A shop may or may not decide to test a new head. Preferable to get a second hand head that has not experienced over heating. Reconditioned warped heads may have needed straightening in which case there will be pressure marks from clamps inside the head. Head and block shave. Ensure correct head gasket as sometimes there is differences of opinion, and new technology crosses your path. 
Assume the bores are not sleeved with a removable/replaceable liner. If a water gallery in the original head has cracked and opened over a piston while in extended operation you may see damage to the honing of the bore ie polishing of the bore - in which case you may be lucky with a re-hone or worse case all cylinders re-bored, oversized pistons and rings etc. Assuming your engine was not run long enough for potential of water into piston to be a problem, but something to be aware of and ask mechanic to check on. My little bit of experience comes from stuffing my petrol car engine - twice! Did the spanner work my self but let Repco machine shop deal with re-bore, head shave, lap of crank, and supply of head and replacement parts.
Assuming just the head, the question arises is this an opportunity to refresh other things like crank bearings, oil pressure sensor, new hoses, seals, timing belt kits, engine mounts etc. And as suggested a water low indicator - I have one, but its still on the shelf, lazy. Allowing 30,000km a year over 8 years then your engine/vehicle is still quite fresh. 
As suggested an engine upgrade to something still Land Roverish. Now might be the time for a 4BD1T conversion 

 or Classic Conversion to electric.
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