My 4.2 Allroad is sitting at 217k miles with no documentation of chains and/or guides ever being replaced. Unbelievably, it also seems to have good valve stem seals and no cylinder wall scoring. My best guess as to why this specific 4.2 has aged so well is that this car spent most of its time on the highway (high miles, but comparatively few start/stop cycles). For that reason, I'd only be concerned with the engine's longevity if you plan on using it for frequent, short trips. You mention a 5 mile round trip commute. If this engine spends most of its time below operating temp, I bet your engine will fall victim to cylinder wall scoring (at the very least).
Personally, I don't think the chains and guides need replacing until you begin experiencing timing chain rattle during warm restarts. For example, you hear the chain on a cold start, drive the car until it gets to operating temp, shut it off, fire it back up and hear the rattle again. That would be cause for concern. At 217k miles, I think my AR is proof that frequent oil changes and quality oil go a long way. If you only drive a few miles, change the oil more often,
Alternatively, at some point I suggest you replace them for re-sale value. The #1 most asked question when I sold both my Avants was: "have the guides been replaced?" I was also asked for the specific part numbers so buyers could confirm whether the upgraded top guide was used. A lot of people backed out when they found out it was upgraded, but not an RS4, aluminum backed guide. If you're replacing them yourself, it's not actually a bad job so long as you have the space, time, and patience to go slow and be meticulous. Take lots of photos.
The single, most annoying issue with all of my 4.2's has been old composite coolant piping. The upper radiator junction blew on my first B6. The heater core connection blew on my second, and I'm sure one of them will blow on the Allroad. Fortunately, those parts are cheap!
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