having just done my own cambelt (98 STI typeR) the trick is to get a pin to put in the old tensioner before you loosen anything. that way with the belt off you can check the bearing and re-use if nessesary, easy. my water pump was mint, the idlers were mint, so i just replaced the tensioner and belt. allthough you cant be sure that the old tensioner will last another 100k
ive budgeted to do a cambelt every 2-3years regardless of Ks (ive had the car 4months and done 12k already! but wont do that every 4months i hope) so i may just do the belt and water pump next time or the belt and idlers if the pump is still mint.
its not that hard and for the sake of un-doing two hose clamps/fan plugs/top rad supports the radiator is nothing to pull out.
if you have a good mate in the parts buisness that can help. get all the parts (idlers waterpump tensioner belt coolant oil and filter while your there) return what you dont use and pay for what you do. if not, buy the belt and prepare to have the car off the road for a few days till you get the parts you need to replace assuming that money is the issue here??
cost me under $400 for belt, tensioner, oil & filter, radiator coolant. $700 if i added waterpump, idlers, plugs & leads
if it costs me $400 every 3years thats $11 a month which i think is a small cost to keep my top end and potentially my motor
rah rah rah hope ive been of some help ;D