So I have a Honda Civic. In the manual, it says I should get my timing belt replaced after 105,000 miles. I passed that last week and so was thinking about it. When I found out that it could cost up to 1000 dollars I freaked a little because I don't have that kind of money, really, except in savings and I hate using my savings if I don't really need to-- and my mom and her fiancee said they've gone through many cars without ever needing to replace their timing belts. They also said that a broken timing belt will not ruin the engine (as one mechanic I talked to said) because the engine will just stop immediately.
So I guess what I'm asking is:
1.Should I get my timing belt replaced now or just wait until it actually dies? 2. How many of you have had cars that never needed a replaced timing belt? 3. Those who have replaced their timing belts, when did you do it (how many miles) and why?