There are three types of maintenance.
1. repair after failure - self explanatory. Wait until it breaks then fix. Effect more expensive because when parts fail it tends to damage other parts as well. So more things to fix or replace.
2. preventive maintenance - this is what most people do. they follow manufacturer or dealer reccomendation. this is a good maintenance proceedure that is designed to minimize cost. An example is the 150,000 km replacement interval for your tbelt. The manufacturer expects it to last at least that long. But as mentioned in the above post, it may not be suitable for local conditions.
3. repair before failure - under this concept, you replace parts before they fail. Similar to preventive manitenance but you are proactive. Ex. replacing the tbelt at 100,000kms together with the water pump and tensioner bearings. Result is peace of mind that your car well cared for, less labor cost in the long run. and if you do it right you can do it as it fits your budget. You don't have breakdowns, you minimize downtime by doing things at the same time when you can afford it.
What you decide is up to you but i would strongly suggest to replace it before it breaks. My opinon only.




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