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Cam chains usually last 100K miles before they need replacing. If your bike has gears instead it doesn't have a cam chain any more. Or are you calling the sprockets gears?
Is it making any noise, like the usual rattle from the timing chest area? If it's not, then I wouldn't open it up.
I got a phone message from the P.O. when I got home from picking up the SP in Iowa that he thought that it was starting to make a rattling sound like the timing chain needed replaced.He owned the SP for around 20 years.I'll crank it up tonight and see if can hear it.
If it's never been replaced, it's probably due. That said.. I **hate** grinding grit on internal engine parts. If you absolutely must do that.. take serious pains to make sure that no grinding grit gets in the engine. Seriously. Lots of rags, etc.It's really no big deal to use a chain with no master link . All you have to do is pull all three sprockets and fiddle a little.
...and fiddle a little.
No your going at it reasonably. When I get to my Mac I'll post some pics. What's your location? Maybe a member would help you.
I'd recommend an automatic chain tensioner as well Harper's and MG cycle sell them. You'll have to remove the sprockets to install it though.
As you can see in Fotos first photo, the timing marks are pointed at each other. You just need to make sure they are after the new chain is in place.