It only cost me $300 to have the local transmission shop do the whole job: labor, parts, and expensive oil. And mine is a 4x4, meaning t-case r&r to do it. If you could take your transmission, already out, to a good shop like that, it should be much less and probably wouldn't be worth investing in one-time-use special tools. Call around and check into it.
look at it this way: the odds of it going out are greater than the killer dowel pin, though usually less devastating. But when it does go, you will now either be repeating or paying for extra labor at the least. And having no 5th gear really limits the truck. It will NOT go out while sitting in your driveway, either. You will be going somewhere and maybe far away from your shop and tools. You may even end up paying "out-of-towner" prices for a rush job from an unknown transmission shop. It's not worth it for a couple of hundred bucks now, imo.