This is one of those " you can't win for trying " questions.
1. Rather than spending $ 5000.00 to fix an " old " engine,,,find out how much a used engine with less miles cost,,,and how much does a " new " engine cost ?
Explanation for answer # 1.
Although the engine is not actually old, The $ 5000.00 is only an estimate,,and the actual repair could be much higher,,it usually is.
Lets say this was my car,,I would spend the least amount of money possible,,then sell or trade the car for a vehicle that uses a timing chain,,instead of a timing belt.
The reasons manufacturers use a belt,,in my opinion is,,,,
A. They know that a belt can break and when it does, they can charge you the cost of a new engine. ( conspiracy theory )
B. A chain cost more than a belt so they use a belt and still charge the customer a premium rate for the vehicle and on top of that you need to get the belt changed about every 100,000 miles or so and this is a guaranteed dealership shop visit, so they not only get an arm and a leg for that visit but it gives them an opportunity to try and upsell the customer all sorts of other generally unneeded goods and services masqueraded as " recommended services " and then some poor unsuspecting schmuck gets taken to the cleaners. ( 2nd conspiracy theory )