95K sounds pretty good, but I had a 1.9 with 62K that had rather advanced
pitting on the heads. I was getting an occasional drip from the gaskets on
very cold mornings. A full blown gusher was not too far away.

I suggest that you load your 2.1 up with water and look for dripping on a
very cold morning.

Dripping or not, expect shot head gaskets. If you want this for a reserve
engine, best to do the gaskets anyway. Better yet, sell it and get a Subaru
2.2 and wiring stuff. Work on a conversion while your current engine is
expiring.