The chains aren't always the problem.
The upper guide rail is quite weak and can break. Also lack of service means the hydraulic tensioner won't work properly.
When i had my vr6, i replaced the upper guide rail when i replaced the head gasket.
My mate has got it now, its done over 110k miles, and chain has never needed doing.
The trick is, listen on cold start for chain rattle, if there isn't any then you probably can leave it alone.