Timing belts/ Water pumps on 5th gens should be done around 90K, so there is a good chance that maybe someone let it slide. Has the car been maintained well? Take it to your mechanic or just do a general check up.

As for the clutch, give it a test drive. Chances are that if it's the stock clutch, and hasn't been changed, it may have little life left. Drive it, run it through the gears, do stop/starts on hills or something, and see if you can find any slipping. Give it alot of gas in a gear (say, merging on to the highway) and if it doesn't slip, you are all good (for now).

Good luck man.