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Although it is highly unlikely that you caused the problem given the fact it took so long to show up it is also not out of the realm of possibility. Subaru will stand behind the dealer on this I am sure.
The question you have to ask yourself is "Do I want a record of a dispute for the sake of $99"? Personally I would eat that small amount just in case a bigger issue every came up. I would also be going to a different dealer next time even if I had to drive a ways. Contrary to popular belief not all dealers are out to screw you and want you to be happy and buy more from them.
My two cents worth.
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Racecar spelled backwards is Racecar, because Racecar.
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