From someone who was his own mech for years-
I generally don't get anything major fixed simply on a recommendation- there better be some major symptoms before I'll spend the major bucks. Otherwise I'll simply wait to see if the problem grows and develops into something that justifies major work and expenditure. And yes, the timing belt is internal to most engines, somewhat, and in this day and age often buried behind tons of assorted crap that all has to be removed and then reinstalled just to get at the real job. So what isn't a big job once you can get right at it can be very labor intensive nevertheless.
Generally, when I tackled something major, there would always be a small but baffling assortment of various nuts, bolts, and washers left over once everything was back together.

Oh well, can't complain as long as everything held together well afterwards.
Back then, when you opened the hood, especially on the straight or slant sixes, all you saw in front of you was an engine, along with plenty of room on either side to crawl right in and get comfortable with the thing. Try doing that with your escort.
Of course the best way, once you can afford it, to avoid most of the issues you mentioned is to avoid owning
middle-aged vehicles. Either own fairly new and then pass it on to someone else once it begins to show signs of becoming a bit loose-jointed; or own truly decrepit where major expenditure simply means it's time to put the thing out to pasture, since it's entirely replaceable for less than the cost of major repair. But some do love their older vehicles, and will therefore spend lavishly to keep it up as good as possible, despite the fact that advancing age insures a growing financial sinkhole.