I own two 2.7L powered Sebrings, a 2002 sedan and a 2001 convertible. Both have over 100,000 miles. Because of minor leaks, I replaced the solenoid packs and oil pan gaskets on both vehicles, and the trans pan gasket on the sedan, and both coolant outlet manifolds. At present there are no drips on my garage floor. Neither engine has had any major problem so far (knock wood).
The V-6 will probably be smoother running than the four, and better able to handle A/C loads. I would prefer the timing chain design to a timing belt.
Take care of the engine and it'll take care of you.
I think there was a change during the 2004 model year to the electronic system of the engine. There has been some discussion on the board here about the incompatibility causing problems for people trying to install a later engine in an earlier car. Whether there were any changes that would reduce the liklihood of damage from sludge, I don't know.
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