So this is why I trust and really like my local shop. I had the car in for 4 new tires and I asked him to check on what I thought was a slight coolant seepage around the water pump. Had they confirmed it, I had the pump, belt, seals, and coolant in the front seat for them to do. They called me back and said it's not the water pump but a slight oil seepage from the Timing Cover seal and that it's not nearly bad enough to worry about.
So, I guess I'll hold onto the pump and belt and change it around 100K on my own.