I am in the process of a head gasket failure project on a 2013 Crosstrek. Oil was in the coolant reservoir (half inch) and under rad cap. Doing a bunch of other stuff as well. Heads have been machined at a shop, waiting for the new valve shims to get it in spec.
But I believe the main culprit here was the wrong coolant used. It was green, so probably Prestone. It may have had oil in the cooling system beforehand when the used car dealer bought it, and wanted to cover it up by flushing it cheaply with "universal" Prestone. Or maybe the used car dealer bought it with green coolant. Don't know.
Either way, this FB20 engine had a blown head gasket, and I know its rare for these.
There is lots of leakage around the engine head area, and even oil seemed to leak out of the water pump gasket, and the thermostat and water pump rubber gaskets were deteriorating from the oil in the cooling system, and are going to be replaced.
If you don't have any leakage, nor oil in the coolant, nor coolant in the oil, nor smoke upon startup. Not sure if its HG. =/