IMO people replace everything because it is peanuts compared to the work involved in getting access. Is it a little excessive? Probably. But not completely illogical.
If you want to spend hundreds or thousands to pull the motor to replace that one $50 part, go for it. In all likelihood you'd be fine for another 100k. You may even be fine for another 100k without doing anything. There are cars that reach 160k miles or more on all stock guides. On the other hand, for all the guides and tensioners back there you spend maybe ~$600-800 total. Throw in the mechanical adjusters with a known wear issue and you are up to maybe $1600ish in parts.
So the decision you need to make after either shelling out $3-4k+ in labor for a shop to pull the motor or 2-3 days of your own sweat, are you going to do all that work and do zero additional preventative maintenance? Or spend that extra $500-1500 and know everything is new and much more likely to last that 100k+ additional miles?
The mechanical adjusters will wear out eventually but those might be good for 100k more (this is why jhm intermediate is is so popular, you get the guides, tensioners, and new adjusters). The chains are often not replaced. I agree, the metal tensioners themselves probably don't need much attention other than perhaps refreshing the orings. Alternatively, like I mentioned above, you could run another 100k miles without changing anything. It all comes down to your personal risk tolerance and finances I suppose.
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