Symptoms of Valve Clearance Problems?
 

I got the price for major service for the '95 EX, minus the water
pump and timing belt, and I'm starting to see why Hyundai is closing in
on Honda. $410 to $547 for "checking" a lot of things, with parts
costing extra. They didn't even make it clear that a tuneup was
included! I can replace the cap and plugs and wires, and *in theory* I
can adjust the valves, but I'd really rather not. Do tight valves give
you any kind of warning?

I'm not cheap, BTW. Money is tight. I can afford Honda parts, just
not Honda "service."