Sounds like you have some bad maintenance habits,all the things you described can be avoided with a little maintenance. as for the timing,set it with the t1 terminal jumped. The timing chain will eventually eat a hole through the water pump/timing cover housing possibly causing total engine failure due to antifreeze/oil mixing. Try adding some methal alcohol to the gas tank since yoiu run it low on gas all the time if there is any water in it the alcohol will mix with it and it will be burned. Sometimed you can get lucky and have the broken pices of timing chain guide right in the front when you remove the timing cover,most people just pull the pan, I left mine in the pan since they are plastic i dont think they will cause me much trouble or havent so far and it has been 20k miles since i replaced my chain.