I measured the stretch of my bike chain with a chain wear indicator. I can get the .75 part to go through but not the 1.0 side so the stretch is probably somewhere between .75 to 1%. Question is when do I replace the chain? The description that came with my chain wear indicator say to change once it reached 1%. Searching the web, some say to change if beyond .75% and if it's beyond 1.0% to change both chain and cassette. So, what the "correct" thing to do??