Wouldnt say your being fussy, go with your instinct, the 2 you have seen i wouldnt have bought either.
Mine needed cam belt doing, but engine is as quiet as a mouse. Cam belt can be used as a bargaining point on price, i did mine following guide on here, never done one in my life before.
Be patient one wil come up and you will know its right.
Hi on the issue of cambelt its 6 years 60,000 or if you like 100,000 mls as others sugguest ,the crucial fact to remember is - WHICHEVER COMES FIRST