I recently bought a 2002 and thought I'd chime in. I had some ticking at startup, then I would here some light rattle between 2.5k and 3k. I replaced the tensioners and the sound was greatly diminished, but still somewhat there at startup and at the 2.5-3k. I noticed after driving for about 10-15 min the 2.5-3k rattle disappeared.
I recently did my first oil change. The oil change sticker in the truck was still good for a while, it was from a Shell station. The filter looked crappy, it wasn't motorcraft, and I bet it was conventional oil.
The fact that the rattle/ticking diminished as the oil warmed up made me think lighter oil would help. I used full synthetic mobile 1 5w-20 (I know that it isn't lighter, but the synth flows better when cold... in my opinion maybe it's voodoo) and a motorcraft filter. Startup ticking rattle completely gone. ticking at 2.5-3k 95% gone, I cruise around in that rev range TRYING to hear it and it is eliminated, except first 2-3 min of driving, so I keep revs below 2k until I am out of the neighborhood and no more problems.
Obviously if your truck sounds like a powerstoke at idle changing oil isn't going to help you, but for anyone out there reading this who is starting to hear a tick, and for those doubting the benefits of good oil and a MC filter... spend the money on MC filter and use good oil if you want the truck to last.
This board was very helpful when I got my truck running (all new fluids axle to axle, 4 ball joints, tie rod ends, timing chain tensioners, thermostat housing, temperature sending unit, fan belt, air filter) hopefully this helps someone else.