jborn,
Welcome to the club of screwed SOHC owners. Mine did the same thing after ford fixed the front guides/tensioner. About a week later the rattle came back and It was the rear one. Ford wouldn't own up to it. That was in may of '03.
I was told that the guide/tensioner area has an oil channel that can get plugged, and at idle/low rpm parts of the chain guide do not get enough lubrication and pematurely wear and rattle. The new part fixes that lubrication problem. In my mind you redesign a bad part,(like the blend door) you should fix them all for free.
I haven't put a lot of miles on it since that was diagnosed, so I have been lucky. Depending on your mileage, if you are less than 75,000 I would get it fixed if you don't go on long trips or long commutes, and plan on selling or trading this year don't fix it and roll the dice. With an engine over 80,000 your paying a lot, 800-1000 in labor (private shop) for a engine with 80,000 miles and a brand new 100.00 rear tensioner. Who knows what will go at 105k? If you want to keep the X, I would look for a newer SOHC out of a junkyard, or insurance auction. It might cost more money for the motor, but you are putting in a more reliable motor since the labor to install it still will be around 800-1000 bucks.
my 2 cents
Deak