For a honda 200k isn't enough for a rebuilt, only if there is a problem such as bent valves, bad rings, bad internal bearing(s) or it threw a rod lol at 200k miles if its fine then change the oil more often, and another 20k will be due for a fresh rebuild.
In your case if the car is still running fine, then drive it and save for a rebuild and get some cams, high compression pistonts, better head studs, new valves, and everything alse that comes with a rebuild...but I would trick it out since your going into the internals..