i have a 6 year old
BX1860 and the same 54" deck; i'm still on the original belt and it sure doesn't have indications of banging into the guard mounting brackets like yours does.
a couple of thoughts:
1)
if the pivot point of idler pulley arm (the idler pulley is the one with the spring attached to it) is "frozen" in place, it may not be tensioning the belt correctly (especially under heavy cutting load) -- the result may be that the belt is "flapping around" a bit since it is not properly tensioned. your pictures seem to show two different periods of time -- one picture (center above) has some telltale signs of recent greasing at the idler pulley arm, whereas the other (far right above) does not. if the idler pulley arm can not freely move, you will certainly have a tensioning issue as the belt stretches and wears. if you have not been greasing the idler pulley arm zerk AT LEAST annually with a good quality grease, i would disassemble the idler pulley arm from the deck, clean and inspect the bearing area thoroughly, reassemble, grease, and then check for smooth and free movement of the idler pulley arm before reattaching the tension spring.
2)
it is also possible that one of your spindles is loose or worn, leading to wobbling. it may be difficult to detect this when the drive belt is under tension. remove the belt, and check that each spindle is a) securely mounted to the deck itself, b) there is negligible axial and radial runout at the spindle bearing, and c) the spindle bearing rotates smoothly. if the spindle is rocking in the mount, or the bearing is wobbling, this will lead to displacement of the drive belt. note that it is not unheard of here on TBN to read about loose spindle mounting bolts; unfortunately, by the time you discover the bolts are loose, something else is usually damaged.
3)
ensure that there is travel left on the idler pulley arm; if the belt has stretched enough, the idler pulley may have reached it's maximum swing position, and can no longer hold the proper belt tension. correspondingly, ensure that the tensioning spring is in fact sufficiently drawing on the idler pulley arm.
wrooster