I did the timing chain thing to mine back in late winter and found the chain to be in exactly the condition you describe. Mine had belonged to my brother and I knew he wasn't so hot on maintenance so I wasn't surprised. I took the engine out to do mine. I know it sounds crazy but the shafts come off easily, the exhaust is easy to get to and the 4 bolts that hold the sub-frame for the engine came right out. Sat it on a work table and did it all while standing up. I'm too old for all that prolonged bending over. I will say this about them. They are the easiest SxS to work on that I've ever been around and I've owned 6 different brands. My current "play" one is a Can Am Commander. An absolute nightmare for a DIYer.