My advice would be to get the engine sorted if the car has no other issues.
I had chain rattle on my old 2004 3.0TDI from about 170k miles upwards. It never got any worse or caused any issues. When I upgraded to a D4, the D3 had 240k on it and was driving 100%.
As i understand it, the chain rattle is caused by failing tensioners which cause the chain to "eat" through the plastic guides. A proper repair is obviously an engine out job due to the location of the chain at the back of the engine near the bulkhead. I've seen reports of just the upper tensioners/guides being changed with the engine insitu. Probably a bit of a gamble unless you know its just the top tensioners that are in trouble.
Even if it is an engine out case, it might not be much more expensive than a set of injectors at £300 each.
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