so should i be concern with the oil pan leak or should i repair oil pan gasket seal

the cost should be around 700, and you dont have to remove the engine, thats insane! there's a few things in the way of remove n the pan, for 1, the muffler pipes. if you had to remove the engine, it would cost a hell of a lot more than 1000 !

You have to remove the transfer case (at 2.5V6, 3.0V6) or you have to make a special tool to unscrew bolt under transfer case to replace oil pan gasket seal. Before this you have to remove front pipe and middle pipe under oil pan. Because of not too clever construction, removing the pipe is not easy (you will see). Not to remove subframe if you decide remove transfer case, you needn't. The whole process time depends on that, you have special tool for bolt under transfer case or not. At least one day for a garage warrior, or 5 days if you will remove transfer box as in JTIS. Better if a good car mechanic will do, for them it is about half time. I done on my car myself (I had to replace transfer case too so I did it during that process), but It was a huge s*ck in a not well equipped garage. Ohh, I forgot; of course you needn't to remove the engine

All you have to do is loosen the one bolt that is difficult to remove and then cut the head off. Remove the oil pan. When putting the bolt back on, get a new bolt that's about 7-8mm shorter. You many not get to torque it properly but you sure can get it tight so it doesn't leak anymore. Total cost is around $60 including my beer.

Yes as soon as possible not only are you polluting the ground your engine could go dry and seizeville.

Hi, I also have a leaking oil pan gasket, and apparently for several years, however not enough to cause my mechanic to alert me, and my jag is in great condition, other than that. Have never had to add more oil between oil changes.