measure the unworn part in the middle and the worn part beside it see if you can find any difference.
just polishing a crank should run 40 bux or less, its pretty quick, make sure they dont mark up the crank..
You should be able to tell if the rod small end is bushed or not, try a magnet, tho you should be able to see a collor fifference if it is bushed.
The rock could get in there if you were real sloppy at oilchange time.. come in ther on the plug or get pushed in if you wipe around the hole AFTER you pull the plug..