Actually, the interval is four years or 60,000 miles, whichever comes
first, so if you're already at 5 years, you're technically over by a year
as it is.
If you have the 2.4 Liter four cylinder, do it now. If you have the 2.7,
I seriously doubt anything will occur before the 60k mark. By the same
token, if you're the original owner, the warranty will cover the belt for
10 years/100,000 miles as long as you aren't overdue for replacement. So,
if you replace it now, you've got a lot more timing belt coverage coming.
Obviously, the longer you wait, the greater the likelihood of a problem.
Ultimately, the decision is yours as to where you wish to draw the line as
to how much you're willing to gamble on this.