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broken timing belt tensioner?

Broken timing belt tensioner
I have a ‘98 Volvo v70 with 140,000. Yesterday I was driving the car on the interstate and the motor just quit, I still had electrical and coaster to the side of the road. The car would not refire so I had it towed to the dealer and they say my timing belt tensioner went, and hence it is like having my timing belt(chain) break (even thought the belt did not break) and that it killed my head. Numbers are being added up at the moment but I have heard everything from 2-4 grand.
1. Does this sound right?
2. Wouldn’t I have had some symptoms, because, honestly the car has been running great?
3. IF the tensioner goes, wouldn’t the chain stop working, how does it kill the head?
4. Do I fix it, sell it, trade it?
5. I waited late to have my timing chain replaced the first time, 95,000, did that set things on this downward run, and should the dealer have changed the tensioner at that time ( they did not) and they told me they change the tensioner at the 2nd timing belt change.






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