Yes at 100,000miles it will be showing the signs of any neglect. These engines can go on for far more miles but if they havn't been serviced properly.........
My mate sells K-Seal but he does a bundle along with another product that you use first, but you need to drop the anti freeze. The K-Seal then stays in the system as a back-up and to catch any further leaks. It's an effective treatment when applicable.
If you are sure it's a head gasket then get both heads off, skimmed and rebuilt. Take about half a mm off and fit composite gaskets, unless they have been skimmed already. The stock tin gasket is 0.5mm fitted, the composite is 1.2mm and far more reliable. There is a tell-tale mark which can help determine if the heads have been skimmed but as they often go concave the front and rear will have had more taken off.
You can also try measuing the volume of the combustion chamber int he head with alcohol in a pippett, the later (composite) heads were about 28/29ml IIRC.
Whilst apart you can also try using die penetrant on the top of the block to see if there is any cracking.