Most likely the cluster because it is a very common failure. On my 03, the front panels of the dash needed to come off -- not difficult, no special tools, just a little time consuming figuring out how. My cluster was held in with four hex head screws, and only one electrical connector needed to be undone. Salvage yard clusters can be bought for about $100, but the odometer mileage will be different. There used to be a guy on eBay who could repair your existing cluster for about $100 and give a lifetime warranty, but there would be a week to 10 day turn around.