I have also heard that both the 4A-FE and 4A-GE engines are non-interference, but this fellow disagrees....
http://skillcentre.com/toyota.html
Hmmm.... The timing belt is cheap enough to replace in either case (being stranded would suck nearly as much as being stranded AND chunking all of your valves). I think that I paid $18 for mine, but obviously you have to remove most of the front of the engine to get at it. I recently did this on my Corolla, and it is pretty easy. Time consuming, but easy. Mine was about ready to break when I changed it...probably would not have gone another 1000 miles! If your car has PS and AC like mine does, the good news is that neither the PS pump nor AC compressor has to be removed to change the T-belt. Just take the accessory drive belts off. It is necessary to remove the motor mount that goes through the timing cover ('cuz it also goes through the timing BELT), and the engine has to be supported with a jack or something while the mount is removed. The crank bolt is kind of a bitch to get off. I personally think that T-belts succumb more to age rather than to mileage, but it is a good idea to change them when Toyota says to. After all, they designed the damned thing, right?

Good luck. Regards, Aaron