My 91 escort used to do same thing and then one day while I was driving the water pump seized up & my timing belt snapped I had oil in where the cam-shaft does its thing & it was a HUGE pain to fix. I was lucky that none of my lifters ended up bent or I would've needed to replace engine (or whole car which would've been cheaper than putting new engine in).
You should get your car into a shop that won't BS you just to get as much money as possible out of you & have them run a diagnostics. Then take your car to at least 1-2 more other non-affiliated shops as well for a 2nd - 3rd opinion. Just to be sure.
i wish you the best