The alternator is dead quiet on the stethoscope. This morning I pre-heated teh fan clutch before starting the motor by pouring some warm/hot water on the clutch housing. I then started the motor and instead of two or three minutes of squealing I got about 15 seconds.
My conclusions for my cruiser are: 1) From the large number of posting on various sites describing the same start-up squeal, there is a wide-spread issue with toyotas in cold weather. 2) as others have described the problem, you could calibrate a thermometer based on the morning when you get the squeal, compared to when you don't. Mine kicks in at temperatures below 30 degrees (and probably down to about 20 degrees during the night). 3)the predictability of when you'll get the squeal to me suggests the fan clutch since by design the fan clutch is temperature sensitive, whereas bearings are not precisely termperature-sensitive. When the clutch is cold, it allows the fan blade to freely spin around the shaft. With this free spinning and high degree of slipping, the squeal is generated. As the clutch warms up, there is less slipping and the squeal goes away. The fan clutch theory is also supported by the fact that the squeal goes away alot quicker if you immediately drive after starting, as opposed to letting the cruiser idle until warm. The higher engine rpm's more quickly warm up the fan clutch and the squeal goes away quicker. 4) a stethoscope is invaluable at ruling out sources of the squeal. It might not be able to pinpoint the exact source of the squeal where two possible sources are close to one another or where you can't directly touch the area because it is a moving, rotating part (like the fan clutch), a stethoscope is a whole lot more accurate than your unaided ears at identifying the source of noise.
Again, thanks for all the help. John