The chance you take is spending the money on the belt replacement and
having the old water pump seize up or suffer some other calamity soon
after, requiring you to replace the belts yet again. If you do the
pump now no need to worry about it failing and you can be rest assured
that you won't be replacing your belts anytime soon afterwards.
Preventative maintenance, cheap insurance... call it what you want, but
it's money well spent.
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