That depends on how you ride and how you jet.
I run now the JD red needle @ 4rth with a 45 pilot and a 178 main.
I mix @ 28:1 sometimes 25:1 even.
In my case a broken oil seal did the trick.
You are looking at:
minimum, rod kit or if cheap just the lower needle bearing with spacers plus the crank bearings and seals.
To split the engine you need a flywheel puller and a generic 3 finger extractor or engine splitter.Quite easy to do actually. You'll be surprised.