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MY father-in-law has the exact car you describe, right to the model year. He has had a few minor problems (heater blower motor and other electrical probs) but the car is deadly reliable and seems well made.
He replaced the timing belt at about 70K-miles as it's cheap insurance. The dealer told him it is an interference engine.
Regardless, it is a huge PITA to have the belt break. You're stranded, and the car has to be towed. Why wait until it breaks? That's goofy. It's past the replacement mileage, so just change it. If it's too expensive, get rid of the car.
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