It's all in the maintenance.
As Dave said, we know of people with 250K+ on their Zetecs. The Zetec is a tough engine!
If you haven't already, do a DRAIN and refill of the trans fluid. DO NOT have it flushed at that mileage! Draining and refilling is much gentler on a higher mileage trans vs having it flushed.
Do the refill with the Ford "honey". It's a bit pricey but it's worth it and it's made for the car.
Do you know when the last time the timing belt was changed? If not, take the cover off and take a look at the belt.
