Read through the 2-3 big threads about the SOHC timing chains.
The two small external chain tensioners both have mechanical springs inside of them. Those by design naturally will weaken over time. Those springs will not be as strong after 100,000 miles as when new. Those are the one tensioning device for each cam chain. That is likely 99% the reason for any start up timing chain rattle.
The main timing chain(jackshaft chain) has a different tensioner, made with a curved piece of steel lined with a plastic. That tensioner basically will not show any symptoms, until it fails and then the jackshaft chain will be very loose.
The camshaft chains have plastic lining the guides which they ride in, those are the components that are considered poorly designed in all 97-01 SOHC 4.0 engines. Those cassettes are the big item to worry about in pre-2002 vehicles. The Ford new for 2002 part is the only replacement, and has a better design.
Any work besides the external tensioners require the special timing tools to change. I suggest changing those external tensioners on a regular basis, just like say any timing belt. Ford does not acknowledge that those mechanical springs have a limited life span, but clearly they do. Most tensioners older than say 50,000 miles will clearly be weaker than a brand new Ford part.
Considering that those parts are less than about $75, I would recommend changing those at no more than a 75k interval. Those are cheap insurance, and directly control the start up noise. Keep clean oil and air filters in the vehicle, that will help also. Regards,