Wish this '97 Geo had a chain. It's only used for teaching Grandchildren how to drive and as an extra car for visitors over Christmas, etc. At 93Kmi I'm getting a little nervous about the belt but hate to spend $500 for a new one (& water pump) as an "insurance hedge" against a value of less than $4,000.
Do it! At 93,000 miles, you're probably tempting fate. I'd be suprised if the timing belt were more than about $500, but if it goes, or if it slips a tooth or two, you could bend valves, or even damage a piston and the cylinder walls. What would a new engine for that car cost? If you're going to keep it, I'd spend the money.
Mark