Start with 3k OCIs with a high mileage oil. Check oil and top off as needed at every fuel fill up. Change oil/filter at ANY sign of noise even if the 3k wasn't met. I expect fresh oil to clog the filter quickly. Listen for differences in sound during engine startup, hot & cold idle, and when under a load. The 1st few thousand miles might require several oil changes.
Change all the fluids, change all the filters, and get a tuneup.
Insolubles tells the story. Filter quit working a long time ago. And, with insolubles that high, even without a filter, oil probably has 100k or more miles on it.
Depending on oil top off amount, TBN looks horrible. You would think that a few extra quarts every 5k-10k would be enough.
Oil is a 50wt, with high fuel dilution, and 30wt being required, makes you wonder.
This engine survived because of 'driving style'. Bet Gramma didn't rev the ____ out of it. Plus, 1.9L doesn't make much HP.
New o2 sensor, plugs, wires,.....fuel/air filters, coolant flush & thermostat.... should take care of the fuel dilution. A couple bottles of FI cleaners will get the injectors spraying pretty.
Lots of water which is most likely from short trips. High moisture will sludge up the oil.
I wouldn't bother wasting ANY money on flush chemicals, oil cleaners, or oil additives. An inspection of the pan and under the valve cover is a must. Pictures would be great to look at.
UOA the transmission and the PSF too.