What does the owner's manual say?
I encountered a shop that suggested a timing belt replacement on my 89 year old mother in law's Toyota. I checked the manual and found that it had many miles and months left.
In all cars a broken belt means you stop, right now, regardless of where you are.
On some cars, a broken belt trashes the engine.
It seems that trashing the engine is used more as an incentive to change the belt but I could argue that stopping suddenly on 93 in 80 mph traffic might matter more!
The newer Subaru 2.5L engines don't require timing belt changes. They have a timing chain that swims in oil.
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