Chance that these things needs replacing is slim (effectively none if not making noise from being loose).
You could take the side cover off in 2 minutes and see the chain and adjuster. Not sure how you'd determine anything with the chain by just looking at it. Ditto for the adjuster unless it was really heavily frayed.
In 40+ years of motorcycle ownership, two with nearly 6 digit mileage, I've never replaced a timing chain. Tension on them is uniform and so stretching isn't nearly as much an issue as with a drive chain (which gets repeated, sometimes violent, shocks from acceleration).