Timing Belts and Regular Maintenance go Along way.

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I recently purchased a 1998 Honda Civic due increasing gas costs and the need for something reliable. This little car is an absolute dream. Runs like a clock and the entire vehicle looks practically new. Not a single leak on the entire drive train. However I did come across one problem. The cars reliability actually gave the owner a sense of over-confidence. The timing belt was never changed at the manufacturers recommended 120,000 miles. Although regular maintenance was done even with a high quality synthetic oil this is a red flag. When a timing chain goes it just goes. No warning whatsoever. This can cause the pistons to slam into the valves and do significant damage to your engine. Now the repair can be done by the above average shade tree mechanic however if you take it to a shop your looking at close to 350-700 dollars for the repair. That being said your small car could be running fine with the old timing belt. It is however a gamble. One I'm not willing to take. I'll be either tackling this job myself or seeking out a professional. I'm sure I can take this little Honda to over 250,000 with the right tender loving care. What are the experiences of you guys with regards to small economical cars and regualar vehicle maintenance?