I check the air filter whenever I change my oil and usually replace it every 6-9k miles (a lot of my roads are dirt roads around here so it picks a lot up). I didn't know that about the spark plugs though, I assumed that they just kept working as long as they were cleaned and gapped when needed so that might be the cause of things. From what I know about this car it never really got ANY maintenance by my grandmother when she owned it. The oil got changed, but that was about it. When I got it I flushed all fluids just to be on the safe side and I have replaced the air filter twice. Since it's a fuel injected car, most of the work is pretty straight forward thankfully, so I have done a lot of the work on it myself. I have been meaning to get a spark plug wrench for this for some time (and a torque wrench so I don't have to keep borrowing my friend's) so maybe this week or weekend when I have time I'll see if my dad has one from his old Camry or see if I can't pick one up at Autozone or something and check out prices on spark plugs as well because since you said they need to be replaced ever 20k, I can guarantee that they are about 45k overdue.
As for when it stars, it doesn't miss fire, in fact I was very confused until I looked at my tachometer when I started it that one time when it stalled at the light. It started like normal and it actually idled for moment under it's own power but then it was as if it either flooded itself or something because it just sputtered out. I'm really thinking it's the spark plugs now that I'm thinking about it...if it sounded like it flooded when it sputtered...maybe that is really what happened...no spark = flood.
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