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Replace it now, keep the used one in the area where your spare tire is. I have always done this with every vehicle I have had and the used belt has come to my rescue twice.
if it broke, you would loose your alt. p/s, a/c and water pump. if your paranoid then replace it, its cheap insurance. keep your old one if its still in ok condition like Eltaco said.
so I checked my serpentine belt today n it seem to be still in good condition.. no cracks n is not loose. so i should be ok for now.
THANKS everybody for ur advices =)