Sue, I had mine done at 118K miles. I won't get it done again til 250K. Many who have changed it around 100K have said it still looked new! You could possibly take off one of the covers and try to see what condition it appears to be in.
History tells us your water pump will probably start leaking before the belt fails. Then you get the belt done along with a new water pump. That's actually the reason why I had my belt changed.
Mark
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