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During the winter, even with 20w50 I get a lower end rattle until the pressure gets built up, then it goes away.
Stop using that thick oil in the winter. It is rattling because the oil isn't flowing. Try 5w50 or 5w30 and you should be fine in OK winters.

Curt B 89RS Calmini Header Delta Cam 33x10.5 BFG MTs & 90 Trooper 3.4 v6, SAS D44 ARB/Hobart 5.38s 35s my pictures