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Timing belt wear

I just bought a 92 740 Wagon (non turbo automatic)139k miles, with unknown service history.
The timing belt cover was loose and when I removed it to inspect the belt the cover sort of fell apart and I found the belt was only about 1/2 inch wide and was partially riding off the front of the pulleys. I know this is not good.
Questions before I change belt:

Why did it ride off the front of the pulleys?
Is this a symtom of a bad tensioner or just too long of a service interval?
I thought belts just break teeth and shred when they fail.

I have an impact wrench to remove the balancer, but how can I be sure the torque is correct when I put it back together? Can it be too tight? can I damage anything by over tightening it?

Thank you






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