How durable is the control chain in the M16A

We have a Suzuki SX4 with M16A engine, which has soon sped off an amazing 300’000km. I think that sometimes I hear the steering chain rattle, how durable is this with the M16A engine? Would it be tedious to replace it yourself? I think we just keep driving until the engine flies around our ears (maintenance is regularly made), and simply replace the whole engine if it actually comes to harm. Other views? Thank you