Belts are designed to go as long as a single row chain will if driven correctly. Over 170k on the 300m was still going, my 91 Toyota chain 2.4 went 177k also interference but toys chains eat into water pump housing when stretched like mine done. 1984 back toys had dual row chains would go 300k before it done it. Ive seen single chains break at 70k my own self from hot rodding alot in my old 289 Ford Mustang & my 351 cleveland Torino too. Ya' Im a lead foot..lol Chevy 350 trucks let loose at 115-125 on average due to streching,breaking or falling off the nylon gears.
Really' It all depends how the engines been treated. If driven hard or used for pulling or hauling heavy loads the chain/belt stretches and they break or fall off around 1/2 their normal life span. Thats why the history of the vehicle is important and one must ask how its been used when buying. Assume the worst if histories unknown and change it out to be safe. Always look at/for a trailor hiches when buying trucks to see if its been towed with because its hard on everything.
5 Years after the post before...I guess you DO read up before posting.
New members and new car owners join/read different sites everyday so even though everything here's old news to old members its all new info to new Xterra owners you know?

Wasnt here 5 yrs ago to read up?...lol
Interference engines started at the tracks many yrs ago to gain hp.
Factory interference engines started to show up in the 80s also as a way to increase hp but used more now to save fuel. I could do without them too.
Heres a very usefull link:
Gates timing belt replacement Interval Guide shows replacement schedules for all cars and shows what engines are interference too.....Great to keep around.
http://www.gates.com/~/media/Files/...media/Files/Gates/Automotive/Catalogs/Automotive/TimingBeltReplacementGuide.pdf