Update
Well, I finally finished all the front-end work that I started about a month ago. I started off just trying to fix a leaking passenger side cam seal, but as I got into it, I found more and more that should just be replaced while I was in there. So I ended up doing both cam seals, crank seal, new crank bolt and washer, timing belt, timing belt tensioner, water pump, alternator rebuild, coolant flush and fill, and transmission flush and fill. This was by far the most in depth automotive work I've done, but with the info available on this forum, the helpful input from a bunch of users, and a little help from some of my friends, it all got done.
Doing the work myself definitely made me appreciate the value of NOT having some random guy at a tune-up shop in there who doesn't care what happens as long as he gets paid. There were so many random bolts and weird things done, I feel like I need to go through the entire engine with a drill and tap set and replace all the hardware.
As other users have noted, the Transmission flush (with Diamond SP-III) is about the best upgrade you can do. Since the day I bought my Montero it had a slightly hard shift into 3rd gear, that has seemed to get slightly worse and worse. I always just assumed the transmission was eventually going to crap out on me. But after doing the flush and fill with SP-III it was a night and day difference. I'm amazed at how smoothly it shifts now, into all the gears.
So I finished all the work on the engine and transmission on Sunday night, and since I had President's day off, I decided it would be a good chance to take it out to Sycamore Creek to run it through some trails....