The problem with the timing chain is that it's not a simple "open this cover and look". Opening the cover can require several prerequisite steps, not the least of which is removing the radiator (which means you've also drained all of your coolant), and there's about 10L of that if memory serves. You can do it with less parts removed but there's not a lot of space to stick your head in and look.
Inspection cameras make the task a little easier if you know what you're looking for. There are two chains: one from the crankshaft to the fuel pump, and one from the fuel pump up to the camshafts. Sliding an inspection cam in is great, you'll be able to spot the double-row chains and doubled sprockets, but if it's all single row stuff, you need to check the tensioner guides, and the upper tensioner (arguably the important one) has the guide facing downwards, so camera inspection is fiddly (but still quicker than a full disassemble).
You can just remove the fan and the covers (I've had my fan out several times, just be careful and patient so you don't damage the radiator). Easiest way to pop the fan is by undoing the 4 10mm nuts that hold it to the front of the water pump. Take care with the covers, they're plastic. You would benefit from removing the underbody plates so you can look up at the tensioners from under the vehicle. Hoists are fantastic, but if you're doing it in your driveway PLEASE use jack stands under the vehicle.
Is it needed? Not always. Your best bet if you're not familiar with the sound of a slapping chain amongst the injector rattle and combustion noises is to take it to a diesel expert, explain that you need to know whether or not to take the car to yd25.com.au to replace the chains and tensioners - this way the mechanic knows he's not getting the job, he's just being paid to check and report. Sort of encourages a little honesty, eh? He will listen to the housing with a stethoscope and ought to be able to tell you what kind of condition everything is in from the sounds the chain makes as it passes over the guides and the sprockets.