well, i made an appointment to get everything checked.
I always use mobil 1 synthetic (i change it myself and check the oil level like a paranoid scitzo) and even do a zmax treatment every other year. I can still see through the old oil when i change it. i've heard the horror stories of valve jobs and do this to avoid it.
1. it sounds like the chain (heard that 1 before)
2. this engine is clean as a whistle.
3. it only rattles for a 1/2 second when started cold (sometimes it doesn't). that's exactly what happenned when the chains where going bad 20-30k miles ago.
tonight (when it's cold) I'm gonna have my buddy start the car and I'll have one hand on the top of the engine and one on the chain cover. I'll find out and post back here tonight.