1. You are absolutely right
2. You are absolutely right
3. You are absolutely right
As for asking, well it is prudent to ask. Reason I was asking about DIY was because the tools involved. I guess should word it differently.
So there are the questions (reprashed):
How does one know that belt needs to be replaced (obviously that knowledge is lacking due to the lack of proper record keeping related to the car), what are the signs that indicate impending belt replacement?
Also, how easy is to replace the tensioner?