Well I finally have the timing belt replaced at 113K miles. My mechanic charged me $240 for labor, coolant, and some seals (he didn't trust the seals I brought him). He replaced the timing belt, tensioners, water pump, and told me to keep the thermostat. From his experience, they don't fail often and it takes a lot more time to replace. He found a crack on the original radiator, so I'll have him replace that...that explains the small stain of pink coolant on my garage.

The original timing belt looked fine. No stress cracks and looked nice and meaty without any sheen. Well, better safe than sorry.