I had some concern with the chain in my Navara but it was good, had a listen and there were no untoward noises coming from the timing chain cover.
When I got someone with two ears (I only have one that works) to have a listen they found it was the side of my airbox that had come loose.
I've had timing chains let go before - was easier to replace the motor. Bloody automatic tensioners cause more trouble than you'd hope - but they're a damn sight better than relying on the driver to nip up the tensioner every couple of 10s of thousands of km.