i wouldnt say the ohv is much more reliable, the sohc is an excellent motor is cared for well. my sohc runs much better at 70k, than my friends ohv does at 80k. but then again my 94 with an ohv went to 180k with no problems, so id say they are both rather good engines.
a good tune up will do wonders on how well it runs, and also on how long you can keep it running, if you havent done a full tune up in a while. do it!
the timing chain issue isn't necessarily a characteristic, but it is a known issue and many have experienced it. ford issued a recall on it, for several years explorers. supposedly it doesn't effect performance at all, just a loud annoying rattle at certain rpm's.
anyway, if your sohc is working well now, and if you keep up on maintaining it, it will last a long time!