The other question is you have the 2000 hrs (in the case of the 98 172 you mentioned) as a hard limit established on the engine. If you go beyon it when is the next limit you are going to use? 100 more hours, 200 more hours? until it quits?
Good comments, but remember that TBO isn't a hard limit when operating strictly under Part 91. It's a recommendation. The engine is operated on-condition. Replacing at TBO or sooner isn't a bad thing, but TBO is not a limitation nor a gaurantee. And after the first run, the concept of TBO is nebulous at best.