Though stiff is a relative term, based on the design these clutches get stiffer as they wear. There are certainly other possibilities for a stiff clutch, but it is a general indictor of wear.
I bought just about the same car with 96K a few years ago. Other than oil changes, and other things that involve fluids, I have done my own work.
My overall recommendation is keep your costs low and enjoy the car while it lasts. There is certainly preventative mantenance (e.g. AOS and waterpump) that makes good sense. For a car at this point in it's lifecycle I am very prudent about the money I invest into it.
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