I owned a 2008 6.4 for about 95,000 miles. I bought it used with 9,500 miles and sold it with around 104,000. Tuned and weight loss at 10,000 miles.
Headgaskets popped around 42k miles, had it studded at a shop.
Cracked an up pipe and had to have that fixed at the shop.
It ate radiators left and right. Put probably 7 rads in it. Finally think that was fixed with the latest mishimoto rad and the support bar. There were no rad issues when I sold it.
That's the only major things and it was still a great truck when I sold it. It ran awesome, was fast, comfortable, tons of usable power for daily driving. It never got over 15 mpgs and averaged around 13. So the mileage was bad but that's relative.
I upgraded to a 2014 6.7 and it is awesome too.
6.7s have been out since 2011 and they should be getting easier to find and afford now. If I were you I'd not even consider a 6.4 just because 6.7s are so much better engineered.
Ford engineered the downfalls of the 6.4s and 6.0s out of the 6.7s. Anything from the proper amount of head bolts, bigger better lifters, oiling system for the top of the valve train, etc....
You can leave a 6.7 stock and have good sense of reliability.
You may be able to find a 6.7 in your budget. You can definitely find a good deal on a 6.4. The market for them is in the buyers favor b/c of their reputations. A 6.4 won't have much resale value if you're looking down the road or ever selling it or trading it in.
If you get a 6.4, look for one owner, stock, low miles, and well maintained.