In this market find a engine no more then half TBO with good numbers.
Only if you don't want a good deal.
I would take a TBO-or-greater engine any day of the week if it's still strong. You're not required to replace an engine at TBO, and since most "conventional wisdom" dictates what 93K says above, there are very few buyers for the higher-time engined airplanes and thus they can be had for a sum that more than allows for an overhaul to be done when it's actually needed. In the meantime, you're essentially getting "free" engine time. Plus, YOU choose where and how to do the overhaul.
Any how the HECK do your prop strike a trike 182???
It's quite common, actually. Heavy nose, newbie pilot used to a 172 touches nose first, porpoises, and tries to save it rather than go around. You might hit the prop on the second touch, you WILL hit the prop on the third touch.
Our club's 182 had a prop strike before I joined the club by a member who was checked out but hadn't flown it in a long time, and the other club on the field that used to have a 182 had a prop strike as well.
They're pretty long props, not much clearance and if you hit the nose hard enough to bottom out the strut you'll probably smack the prop.
I've heard of DA40's having prop strikes as well, and they have more clearance than the 182 does. I know that in at least one case, the checkout CFI's were teaching new DA40 pilots to fly final at 90 knots with only 1 notch of flaps, which is a TERRIBLE technique - Recommendation is 67 knots at full flaps which will result in an easy greaser.