Mom just got a 2002 Legacy 2.5L wagon. Extremely nice condition and passed with flying colors both by the dealer's mechanics (it's a certified used car) and also took it to an certified car shop (all are master mechanics) to pay for a comprehensive inspection (took 4 hours). However, there have been several owners that ended up with the head gasket leak problem. One solution is the Subaru coolant additive (which probably acts like a sealer on small leaks). My aunt has a 2003 Legacy L Wagon also with the 2.5 engine and hasn't had a problem.
She didn't get the dealer's extended warranty "plus" policy (that would include the head gaskets) and which only lasts a year. It costs $800. There's only the 1-month, 1,000-mile limited warranty and they said she could get the extended warranty before that expires so the price doesn't go up. It would be pretty tough for mom to cough up another $800 and I'm not in a position to help.
I'm wondering if there would be tell-tale signs of a head gasket leak. I've seen some posts where the user mentioned smelling coolant through the dash vents, but that's probably the smell from the spewage out the overflow tank when the gasket leaks gas into the coolant cavities to overpressurize it so it gets pushed into the overflow tank and out of it. The dealer detailed the car so there would be no evidence of coolant leaks on the engine. There weren't any leaks spotted by the car shop.
Would there be any way to find any tell-tale signs of leakage before catastrophic demage? Would there be any evidence of coolant in the engine oil? Would a small leak keep pushing up the level in the coolant overflow tank, or maybe repeated loss of coolant level in the radiator?
Obviously when researching a vehicle, the matches that turn up would be about users complaining about problems, not of users extolling their satisfaction. So it's hard to guage how many of the 2.5 engines are having the gasket leak. I talked to the car shop and they feel that the incidence of leaks is too high to be normal (i.e., they see more Subaru 2.5 engines with the problem than what would be considered average), but again that is just one shop's experience and a sampling population of 1 car shop is tough to accept as a solid indicator of probability, but there are those users complaining about their woes, too.