It's pretty common after 90k miles. I lost my first engine to it around there. You'll most likely have some warning, though. Mine started running progressively worse for at least a year before it went. I had no idea why until I found this forum (after the damage was done).
People generally will start hearing the chain rattling around in there. You hear it especially under load and at around 2500-3000rpm, or when cold-starting the engine. It sounds like engine knock at first and can eventually make your engine sound like a diesel engine.
There's several different fixes for it. If you take it to a dealer, they are generally going to do the 00m12 mod which involves replacing the tensioner on the driver-side timing chain. This, however, still leaves the back tensioner and the jackshaft tensioner vulnerable. It might buy you a little time, but I doubt it's going to add 100k miles to the engine or anything.
To really do it right, you need to pull the engine and replace all the chains, sprockets, tensioners, and cassettes on all three chains. I think the cost of the parts is around $200 and you need a $150 dollar tool to hold the camshafts in place. There's several diaries posted on here with pics and
here's a blog that has the step-by-step w/ pictures at the bottom. Unless you do the work yourself, I doubt you could find a dealership that would do this for you and even if they did, the cost would most likely be unbearable.
Keep in mind you can still find relatively low mileage sohc engines (allegedly 50k miles) for $700-1000. I paid around $2000 for one installed and so far it's bought me about 50k miles. I haven't heard the notorious death-rattle yet, but my second engine has recently developed a pretty rough idle so I'm starting to get nervous. I'm considering pulling it soon to do the mods.
