2003 Honda Element metal flakes?

After researching the reliability of Honda, I bought a certified preowned 03 Element. The mileage at purchase was 34K+. Engine light luminated after 11 months; car sputters & gears down at 3000 rpm. Dealer said I didn't change my oild often enough. Repeated this process until going to a dealer with a more reputable service dept. This dealer found a problem, fixed it. 30 miles later; same problem. Dealer fixes problem (from code). Repeated this process 4 times. Now dealer tells me I must have new rocker arms. While preparing to install them; they find metal shavings in camshaft. Says this is usually result of low oil. My car was never low on oil, maintenance since my purchase has been timely. Warranty may not cover this repair because they say it is improper care on my part. Any other reason for metal in camshafts? If Honda wont pay, am I better off replacing engine? (Current mileage is 94K+, warranty is to 100K)