HGF is mainly due to chavvy owners ragging them from cold and the coolant being cold and the block being hot and the temperature differences between the two.
Coupled with a poor thermostat placing and a few other bits and bobs.
For £200-400 you can do all the fixes and basically eliminate the risk of it.
Or just dont rev the nads off it when its cold and do some trips to get it up to temperature.
If you go off what some people have said here, then my coupe wouldnt have any metal left on the head it would have been skimmed that many times due to the milage its done!