i once had an old camry. 1989 model, we diy service too, pops never took it to mechanic cause it was a waste, and all he did was the usual service, change cams, change oil etc, but timing belt was a no. these machines last really long, whats there to be scared off, if you got insurance and your stuck in the middle of the road, get it towed to your mechanic and change it then. otherwise enjoy the camry :)