Let's see - belt is 10 years old...and you don't want to change it?
10 years is OLD for a timing belt...and 3 separate people told you to change it...but you don't believe them?
Look at it this way: belt breaks, you have two choices, replace engine (for several thousand $$), call junkyard (they might tow your now-worthless XC away for free...).
But hey, as the tow truck is dragging off your ruined car, you will have the satisfaction of knowing that you're nobody's fool...those car guys sure didn't rip you off for a few hundred $$ in "unecessary work"...you're too smart for that...
Sorry, don't mean to be sarcastic, just can't believe that you're even questioning this...and have them replace both the tensioner and idler pulley while they're in there - not just the belt. All those parts have a lot of miles on them...and should be replaced as a set...
Current Fleet:
2016 Tundra Crewmax 4WD 1794
2005 MB S600 (130K, Michelin AS4, HPL 0W40)
2005 MB SL600 (58K Michelin AS4, Mobil 1 0W40)
2004 V70R (147K, six speed M66, HPL 5W40)
2004 XC90 (247K, HPL 0W30 Euro)
2002 V70-XC (300K, HPL 0W30 Euro)
2002 V70-T5 (230K, IPD bars, Bilsteins)
2001 V70-T5 (125K, IPD downpipe, cat back and other mods)
1932 Packard Sedan (straight 8, dual sidemounts, original paint and interior, Shell Rotella 15W40)
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