One thing isn't clear to me--you say you "found" a harness on ebay. Does that mean you've bought it already or just located it and are prepared to bid on it?
If you bought it and now have a second harness, it seems to me that you should compare it to what you have. Then, you can decide whether to replace the whole thing, fix what you have, or use pieces of the ebay harness to fix the existing one. Depends which one is in better condition, damage to the present one notwithstanding. In the final analysis, only you can determine that.
The real problem with wiring isn't damage--you can always fix that. When the wiring gets old, the insulation can get brittle, which is a much greater problem. Then, there isn't much you can do except replace the whole thing. That's really the time to think about complete replacement, not just when it's been damaged.
As for difficulty in replacing the harness, I've never done it, but the idea certainly doesn't scare me. But I'm an experienced electrogeek, comfortable with making electrons do what I want them to. On the other hand, we get a lot of questions here that go "I just replaced my wiring harness, and now the horn beeps when I turn on the lights." and such. So, part of the equation is how comforable you are working on electrical things.