Anyone who lets their timing belt go past 90k is a fool. You're driving on borrowed time. I do mine every 80k (not the 90k recommended). If you've hit 90k or its been over 6 years since you did it last, you better keep your fingers crossed.

Regular maintenance should be put before any bling-ariffic mods. Most people do it th other way around. Having a well-running and maintained car is a mod unto itself.