Well, as you say, you havent done the timing belt job yet,.. your at 95k, they recommend to do the change at around 105K OR seeing as the belts can suffer from dry rot Its also suggested not to let them on for over 7 years. If as you say it sounds like its coming from that area, then its not going to be a bad choice to go ahead and to the T-Belt job now. get the entire T-belt kit and you may find the problem is gone after doing the job.