Also, the timing chain rattle noise is usually on the drivers side of the engine towards the front. If you hear it coming from the passenger side, it could be something else. Maybe the belt tensioner.
Also, how often are you changing your oil? Short trips are very rough on oil, not enough time for engine to warm up enough to evaporate any fuel that makes it into the oil. Eventually, it starts to dilute the oil. Shorter oil changes intervals recommended.