Timing-belts - Belts - Volkswagen - Touareg :: 2004 - Timing Chain Malfunction At 90,000 Miles Common?

I brought my 2004 VW Touareg V6(83k miles) to the dealer for a recall on the ignition call and much to my surprise, was presented with a diagnosis of a $6,000 problem! The dealer told me that the computer read some codes which say that the timing chain is stretched and needs to be replaced. They said it will take 4-5 days and should be done asap so it doesn't "go out", because if it does, it's an even more expensive problem. I took the car to another VW repair shop and they asked me if I heard any noised when I start it cold (like pebbles in a bucket). I have not had any problems like that at all, so they said I shouldn't worry until I start getting symptoms. They also said there is no recommended point (like 90,000 miles) when VW recommends the change, so it really shouldn't be a common problem. I want to do the right thing, but I don't want to rush into an expensive repair if it isn't necessary.