Hi Simon,
Thanks for the advice. Yes I've pretty much come to that conclusion.
I'll probably do the timing belt. Not really comfortable with a 20+ year old belt - especially in the climate here. Don't most manufacturers recommend changing every 5 years or so, no matter what the mileage?
Clutch is a little low on the pedal, and sometimes the pedal doesn't return fully. Maybe new fluid and bleeding will sort that?
I'll leave the head gasket alone, for now, but have one on the shelf as it were. I don't seem to be losing coolant, and the temp gauge needle is dead centre when the engine is hot. So, all good I think. My first K series engine. Just got a bit spooked by what I was reading I think