I also recommend looking into an engineer. A home inspector might be knowledgeable enough but from my experience many of them really don’t have much or any actual building experience. I get engineers for various building issues and often a short site visit and a letter is as little as a couple hundred dollars. They can look at the situation and supply a mitigation plan, but also they can properly assess whether it actually requires a fix.
I also have a reputable foundation specialist company I deal with. For myself I would just call them up and have them take a look at it because I trust them to give me a straight answer. With a little searching you may find someone in your area that has such a reputation. It cant hurt to get a free quote.
Houses move, and even properly built foundations can move a bit. I was living in a 60+ year old but well built bungalow a few years ago that was quite stable until we had a 200 year flood event. We did not get flooded but were on the plain close to the escarpment. Ground water flow must have shifted and the old patio slab went from flat to cracked and slumped in a matter of a couple months, and cracks developed in the drywall ceiling so the house foundation must have shifted too. Even new homes shift, and very little in any house is perfectly level or on plane, ask any finishing carpenter.
Finally foundation repair can be a huge deal but isn’t always, or doesn’t have to be with a contractor with the right expertise and techniques.