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Q: Is it really necessary to change the thermostat on my car after 100K miles? on 2006 Volkswagen Jetta TDI

The dealer says it is also recommended to change the water pump while they are at it. But the price quoted is more than $300 over the max price estimated for the timing belt alone and they want to charge me another $269 for the water pump, then the thermostat is another $161. I'm getting ripped off if i schedule this I can see that...besides negotiating with them, what are my choices?
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