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I am not totally up to speed with what exactly the issue is with the timing chain. Is it the guide that goes bad? If it were me, and I had over 100k on the clock, and I enjoyed the X1 and planned on keeping it, I would simply pay a mechanic to replace the guides. I'd consider it preventative maintenance.
Now, some of you might say that it's too expensive, and the dealer wants $3,000 for the job. I'd agree with you, but I would have a private mechanic do the job for 1/2 the price.
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