Get from open market. Dealers just make extra commission. I know because I maintained Suzuki Cultus for 5 years from a Suzuki authorized workshop. After I started going to open market, servicing and maintenenace was so cheap.
Depends on engine. In my Pajero Mini, there are two belts exposed, one to AC and power steering pump, second to the water pump and alternator. Replacing them is pretty easy. Just loose tensioner poly, remove old one, put new back on, tight it to correct tension.
These are simple belts, but you just need good quality. I was recommended "Bando" brand by an experienced mechanic, and so far no issues. Timing belts are a bit expensive, I recently had to replace in Pajero Mini due to oil seals leak, it costed me 900.