If you change your own oil, you will notice brown flakey nylon particles in your oil.
Change your oil with a clean oil pan and check it out.
Its not cheap to get the chain done at the shop, but about 100.00 for a edelbrock chain or CLOYES or some double roller timing chain.
Never use those napa chains, they were out in 15,000 miles.
If you dont have any issues, dont worry about it. I have 113K on my daily, and a friend has 180K on his car too.
If and when the nylon gear shreads and the timing chain slips throwing off the initial timing, the cover and oil pan need to come off.
There will be pushrod damage with the stock cam, but the valves always live.
Ive seen a few motors here at 80mph and the chain lets go, they both had stock cams and the only issues were the pushrods and the nylon mess in the oil pan and some in the front cover.
So, if its not broke dont fix it.
BW