If you've never replaced the timing belt, do it. Eight years is a long time, and it's cheap insurance. If it breaks, the valve stems can bend. A belt is a whole lot cheaper than an engine rebuild. Even if you're still under the mileage specified by your manufacturer, belts will dry rot just like tires.
I've been working on DH to keep our vehicles longer, so it's been a while ... but I've replaced water pumps on three vehicles once they got over 80K miles or so. Maybe they last longer nowadays. But, if your water pump fails, all you have to do is stop the car and there won't be any further damage. If you're not normally in time-critical drives, you can probably keep going until it fails. Just make sure your temperature light works properly!
You can probably check the brakes yourself if you don't think they're due. There's usually a bit of the pad accessible through the caliper that you can mic.
ETA:
Check your service manual for the timing belt replacement interval. You said you've had all the scheduled maintenance done ... Let's say the belt is supposed to be replaced at 60,000 miles (that's a common interval, but you'll have to look it up specifically for your car). You took it to a shop and specified "60,000 mile service," e.g., and the mechanic charged you for "60,000 mile service." If they didn't replace the belt, take it up with them.
Last edited by OakLeaf; 01-11-2011 at 08:50 AM.
Speed comes from what you put behind you. - Judi Ketteler