the problem is longer term, those steel shavings dont dissapear, they are floating in the oil and can destroy oil pump and cam bearings.
noise is just the first sign things are going bad, a later engine blow is going to cost quite a bit more that 360
once the hardened surface is gone, there's soft steel underneath, that's why it's a downhill path from there.
if you do a couple K km x year, maybe acceptable, if you intend to take the bike to long adv touring, then deffo fix it properly
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