A wet belt does not usually fail because it wore out. It fails chemically. As engine oil ages it turns acidic, and with fuel dilution from short journeys and years of heat cycles, the surface of the belt softens and starts to break down.
It does not crack like an old cambelt. It sheds. And because the belt is already sitting in your oil, there is no filter between it and the sump — those particles circulate, settle, and build up on the oil pump pickup strainer at the bottom of the engine.
That strainer is the last thing between your sump and your oil pump. Block it and oil pressure drops, and the bearings, camshafts and turbo start running dry. That is the failure: not bent valves, but oil starvation, from rubber your own belt shed into your own oil.
Which is why a quote that does not include dropping the sump is not a quote for this job. We have seen cars come to us having had a belt done elsewhere twelve months earlier, and lose the engine anyway.