Found a spot and checked the fluids. I had them all changed/filled on Dec 1. As of Feb 13, they are all full but the oil is low. Trans is full. Power steering is full. Water/coolant tank is full. Wiper fluid's been out but that's not a priority at the moment.
With the cold spell coming through recently and then drastically warming up, that may account for whatever this jingling noise is - like kicking a chain link fence - and the metal shrinks and expands. It was doing it when I test drove it and as mentioned, it made it across the country and hasn't shown itself to be an issue so I keep going til it does. Just the other morning it was louder and more obnoxious than usual and when I got down to check, I happened to see a spray of fluid in several streams like a shower, pouring out of what appears to be the muffler tank right in the seam area on the end as shown in the pic. Unless there's something under there near the muffler that holds important fluids, and since all of them are full save but being low on oil, it seems it may have been a condensation event. We've camped awhile so the vehicle's been off for 2 weeks at a time, or a week, and maybe it was just build up and coincidence and neither are related...which I hope anyway but will still be checking into it.
It's due for an oil change again the end of March so I might go ahead and get it done sooner and while they have it on a rack get them to check out those bolts and swaybar and that stuff and fix adjust tighten or replace if they can.
Thanks again!