I have only seen a few ants. The number of Carpenter Ants you see is not a direct indication of the severity of the problem. At minimum you should have your home checked at least once a year.
Termites have broad, thick waists, whereas ants have narrow, thin ones.
Ants' antennae are bent at right angles and are elbowed. Termites have slightly concave antennae. Ants have three distinct body parts. Termites have what appears to be two, the head and body. So when you see one roach, chances are there are many more that you cannot see.