The timing belt isn't something you wait to see how long it lasts. Every 60k miles, you just replace it. It's expensive to replace because it is labor intensive, and while you are down there, its a good idea to have your water pump checked/replaced as well since it is hard to get to. As far as the belt goes, check to see if it looks dry, or show signs of cracking or deterioration. If it shows any of those signs, it is way overdue for replacement. And yes, if the timing belt goes on this engine, it's my understanding that it will be toast. So, having a mechanic check it out is a good idea.
I can only reiterate what LRJ says about the difference between a Montero SR and a Honda CRV. Its much bigger, taller and heavier, and gas mileage will be less. It's a very capable 4x4 as well, so it might be overkill for what you need.
I have nearly 175K on my engine and it is running strong. Follow the factory recommendations for maintenance and you will minimize problems. Don't wait for something to happen.
Asking questions and getting information from forums like this one is also invaluable. I have learned more from people here than any other source, and as a result have saved lots of time and money for repairs or modifications.
I coulnd't be happier with my montero, and plan on getting a lot more miles out of it.
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