2002 Honda Accord Suggested Maintenance

2002 Honda Accord EX, 4 cyl, Automatic

After 24 years of marriage I now find myself single and responsible for a whole host of things I have never had to deal with in my life. I never even had to pump gas before my divorce, let alone have to try to figure out how to take care of the entire car. That's a too much information just to lay some groundwork for you to know what kind of novice you are dealing with in me. I have the oil changed at regular intervals but, other than that, I have no idea what may need to be done to this car. I did not purchase it new so do not know what has been done up to the last year or so. Someone said I definitely need to have the timing belt replaced because of the high mileage and someone else said I should probably have the water pump replaced and probably struts. This all sounds Greek (not to mention incredibly expensive). I should mention these people who gave me this advise are not mechanics and have not looked at my car. Please help. The car seems to be running fine. I typically run high grade fuel but with the recent gas prices alternated fill-ups with 87 and 93 octane. What should I REALLY be doing to get as much life and performance out of my car? Also, how do I know if I am being quoted a fair price for repairs? I honestly would not have a clue if someone were trying to take advantage of my naivete. Thank you so very much for your time. I am very happy to have found your site and plan to pass the link along to a few of my friends. Have a great day!
Martha