Carl, I have an '04 with over 300k miles that I've owned since it was new.
Driving sanely, not always getting on the gas, not towing a lot of heavy loads, routine maintenance, the fact that I drive mostly highway miles because I live in the middle of nowhere, and maybe a little luck has gotten me here. I think I read somewhere that the 4.0L SOHC engine has an expected service life of 200k-250k miles. So if that's true, I'm on borrowed time.
Here are my plans. If I have to pull the engine for any reason at this point, I will rebuild it myself. I'm not going to go through the hassle of pulling this engine with the mileage it has on, just for some preventative maintenance. I made that decision once I crossed "The Rubicon" at 200k miles on the odometer.
She runs like a top right now and feels like she still has all (...or at least most) of her original hp, so 400k miles here I come.
If I were you, I would NOT pull the engine to upgrade the timing chain guides at this point. ...unless you're bored and have lots of time on your hands and want to do it fun.