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Honestly, if it's going on credit, I'd say go for the T-belt and tensioner. The tensioner is $35. The belt is $12. or $8. And the rest of it is just as cheap. Get a new fan belt and alternator belt. Another $20.
The prices you have been quoted are a lot of money to pay for those parts, even if they do get shipped all the way to HI. Shop around or tell them you'll bring the parts, because basically either you can do it that way, or you can't afford to do it at all. They will probably oblige you (there's probably a law that says they have to, but there are ways around that kind of thing, like charging more labor because of "inferior" parts or something).
I'd skip everything you can get away without. Consumer debt isn't necessary to keep your car running. I maintain my cars by the book, with respect to all of that stuff, but I do it all myself, so it is cheap for me to do so. Don't go overboard; just make sure you have a reliable car and that should do OK.
You will probably get a lot of answers on this one; each correct in it's own right. Good luck!
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Chris Herbst, near Chicago.
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