limg or head gasket?

[rev]

well its finally happening to my car. my low coolant came on about a month ago. i stopped right away and bought some coolant, and filled it up. it was 0 out so i quick checked for leaks, and checked the oil cap, and didnt notice anything. well this week, the light came on again and my coolant was completly gone. but this time, there was coolant on my oil cap. is this my head gasket? i have been driving it to and from work still (10 miles total), because i have no other way to get to work. the engine tempature has not gone above normal. can i still get this fixed, or do i need a new engine? i ask, because i called up 2 shops and they told me i probally will need a new engine since i still drove it after i noticed this problem.