Well, that's just the issue - a complete timing belt replacement is actually fairly expensive. On the low end, with a good kit, and a TDI guru, around $700. That's the low end.
Oil changes aren't that expensive. Timing belt changes are.
Yes, I know, rebuilding an engine is a lot more than $700. But its not $100,000 either. Paying $700 insurance to avoid a potential $5,000 obligation is, well, a very pricey insurance policy, unless its a near-certainty the timing belt and/or associated components WILL fail, and WILL result in the need for a complete engine overhaul.
I'm not for a minute suggesting people should not get TBs replaced. Just wondering out loud how tight one needs to be in getting it done every 80 to 100k miles.
PS - is there an abbreviated method of changing just the tensioner & rollers, leaving the belt, and current timing, intact - ie, one that swaps out the parts most likely to fail, but makes the process simpler for the DIYer who is, perhaps, a bit leary of tackling a fairly complex project?