This is the wrong car to own without the resources to spend. My advice is to sell it.
Now to answer your questions, first check the articles at
http://www.nicoclub.com.
You might be leaking transmission fluid (ATF is used in power steering) from the high pressure hoses, low pressure return lines, or the rack itself.
Do a search on "chain guides". YOU MUST DO A SEARCH ON "CHAIN GUIDES"
191k is a long time for the Q transmission. Small things like jerking, hard shifting, and funny idling can be fixed with a flush, but if its dead or slipping, its toast.
Again, sell the car unless you really, really love it and are willing to commit time and energy.
Modified by Jesda at 8:43 PM 5/3/2007