Mine has the 3 second rattle on cold start up as well. I change my oil every 3-4000 miles regardless! I’m not certain that the phaser rattle isn’t really that harmful? I know the Dealerships will replace them all day long if you pay them! From what I have researched, to replace them the entire top end and many other parts need to be detached to perform this (FORD F-UP), cam phaser change, and the cost is over $2700.00? I have 92,000 on my vehicle, and baby it all day! So I’m as confused as the next guy as to the truth about changing these out? Seems like a Class Action lawsuit needs to be filed to get Fords attention?