Our '00 Civic has a belt, the change interval is every 105k. The parts kit that Honda sells includes the belt, water pump, and the accessory belts. $450 including installation at an independent. I don't think that's too bad as maintenance goes. Maybe I'd feel otherwise if the car was having problems all the time, but the damned thing just runs like a top all the time.
I wonder what % of timing belts break prior to the recommended change? I'm guessing it's extremely low, like 0.0001% or something. They do a good job designing the rest of the car, I'm sure they do a good job with the timing belt too. Not worth worrying about IMHO.
jeff