2000 Toyota Avalon expected maintenance at 81000

The worst case scenario for the timing belt failure is that your going to get stuck somewhere, it will cost you a tow bill and cost you diagnosis charges to find out that you should have changed it earlier.

The bright side is that it isn't due until 90,000 miles.

You have nothing to be worried about concerning the ABS brakes.

The brake fluid has varied opinions. On my own vehicle, I suck out the brake fluid out of the reservior every third oil change and refill it. It take 2 minutes to do and a small bottle of fluid.