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Serpentines can last up to ten years an an average car. When looking at the belt on the ribbed side, you need to replace it when there are two sections of ribbing missing within two inches from each other. If there is a small(1/2) piece missing from 1 rib, the belt is fine.
Son, if that belt breaks you will lose EVERYTHING!!! Power steering, cooling water pump, alternator, air conditioning and anything else that the belt drives. A new one usually costs around $35. If you are careful, YOU can replace it. Follow the diagram on the fan shield. have never seen a serpentine belt break unless one of the pullies freezes up. If a pully does freeze up the the belt will rub on the pully until it breaks. Again I have never seen one break just because of some cracks.