I would change the belt and water pump. 5 years is a decent time for a belt and the associated parts while its stripped it is good practice to also change the water pump as that can also fail.
As a car is probably the second most expensive item people purchase why take the risk I have seen many VAG diesel engines go bang a cheap repair for that is 5K plus. Distance traveled as mentioned is only one factor to take into account.
As a separate point you will be due a major / full / 6 year service next year also if following the service schedule replacing fuel, air and pollen filters a delay will increase the cost next year. Along with a worry about reliability of the belt.