Prob no need to do head gaskets until you notice a symptom.
My 98 has 216k, over heated once, black gunk in the coolant. No symptoms I noticed before, I smelled the coolant a couple months ago and didn't notice anything. Im having it towed to a shop next week. My roadside will cover all but $10 to get it towed... I figure that's cheap insurance that I shouldn't have to replace anything more serious than headgaskets. Estimated cost... $1400-1700.