A chain can last a whole lot longer than 3-5 but it is a very good idea to keep an eye on it. I suggest removing the cover at least once a year for a look. I always remove the cover when I change the oil. It's a bit messy but I can see firsthand whether the chain or sprockets are excessively worn, or worse, have been rusted at all. You can also check wear in the side to side play of the chain with the cover off, something you can't tell otherwise. I change chain and sprockets altogether when changing any of them. 10,000 miles isn't too much to expect of a chain if condition is monitered. Make sure it is neither too tight nor too loose also.