I would say it is worth fitting both the tensioner and pump if you haven't a clue when they were last done. Whilst you are in there it's worth fitting the pump I appreciate it means draining the coolant and the worries that might bring, but you have to weigh that up against the worries if a pump you know nothing about fails.
From personal preference, I used both camshaft and crank locking tools. For the expense and reassurance it gave, I was more than happy to send the money. Incidentally, I have seen belts changed without either locking tools used, but cant say I thought it was the way to go.
The crank bolt and the engine mounting bracket were the tightest bolts to release, and in the end I used a socket on the end of an impact screwdriver and belted it with a lump hammer. The engine mount I used a scaffold pole and extensions, but went back to the lump hammer and impact driver. These days I have a compressor, so makes things so much easier.
Overall the job was not as challenging as I thought it might be and whilst you will scrap your hands and push your patients to the limits at times it's a job that's doable at home.
Finally, check out all the videos online and get a clear picture of what's required and go about it in a set sequence and things should be OK. I found my biggest problem was getting the tension on the cam belt to level the camshaft markings up, once I managed to sort how to get the r/hand side of the belt taut it was plain sailing. As always, many on here will help with anything you find challenging.