I can't speak for Talons, but Visions, Intrepids, and Concordes are all the same except for the front and rear looks, if they have the 3.5 Liter V6 Engine it is recommended to replace the Timing Belt at around 100K or if the Water Pump goes before then since it is also driven by the belt. Failure to do so may indeed put your engine in jeopardy if the Belt does let go, these are "Interference" Engines and thus if the belt breaks while the engine is running then certain damage to the Valves and Piston Domes can result. This does not apply to the 3.3 Liter V6 Engines as they have a Timing Chain.