How much is a chain...£10, £15 ?
Failure to replace in good time will result in a new cassette being required...£20, £30 ?, so then youve doubled, maybe trebled the cost. I had to replace chainrings at about 6000 miles so you're well on the way with them potentially.
Factor in the increasing likelihood of a snapped chain, injury, damage to the bike etc etc...all reasonably unlikely...but that £10 to £15 for a chain begins to look a good price to pay.
Chain life is different for everyone, but 4500 miles is good IMO. Id replace it anyway, I'd be more than happy at that mileage. Its just a running cost you should expect.