How many miles on your existing timing belt? If you're getting close to replacement time you might as well do it now, along with the water pump, crank seal, tensioner, idler pulley (maybe the bearing noise you're hearing), etc.

95 Montero SR
3.8 MIVEC, Advance headers, 2 1/2" exhaust, Magnaflow muffler, OME shocks & rear springs, 2" body lift, 3" tank lift, 4.90s, TRE front locker, factory rear locker, Roger Brown Rock Sliderz, 315/75r16 (35") tires, Sport big brakes