I'd say just go ahead and change it. For the price, it's cheap insurance. And it's fairly easy to change, too. I replaced mine at about 40k because it had a odd looking crack starting to form. And I replaced it again at 80k because I had the front of the motor apart.
Or if you want to make an afternoon out of it, pull your radiator and give it a good cleaning at the same time. You wouldn't believe the amount of gunk and bugs they collect behind the intercooler. And with the radiator out, you'll have all kinds of room to swap the belt and the pulley (why not if you're already there?). And that'll take care of the 24 month coolant change, too. You'll be all ready for summer.