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The serpentine belt looks fine right now. I don't see any obvious cracking. If it is recommended to be changed, I'm wondering if I should go ahead and replace the water pump. I often see that as a recommendation when replacing the belt.

That's when replacing the timing belt, not the serpentine/accessory belt. You have to open up the engine to get the timing belt, so it makes sense to replace the inexpensive water pump while you're in there. And at 100k, you're probably due for a timing belt, if you haven't done it already.

I wouldn't bother with the serpentine belt unless it's clearly deteriorating or starts slipping/squealing. Same for the radiator hose.

As for ATF, if you haven't changed it up to now, the general advice is that changing it now may actually be more likely to cause problems.
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