Its almost hard to find a newer car that doesn't have a rubber timing belt. But they normally last 60-90k miles. And its not that expensive if you change it time, now if you don't when it snaps it will probably bend the valves.
Not if its a non-interference engine. ;)
Do some research on different kinds of used cars. Some Toyotas and Chrylsers have known tranny problems. Some Nissan's have some known quirky electrical problems. Some GM products with the 3800 series II engines have quirky faults too, a Ford Taurus is a total POS...but a Focus is a sold vehicle, etc., etc.
Talk to a mechaninc you trust...see what he drives, see what he would recommend.