Well, I'm back at square one. Just got back from Yotamasters. Super nice guys. They confirmed just with the naked ear that it is either a wrist pin or a piston or maybe a rod. Leaning towards wrist pin. I told them they didn't need to bother finding out which one it was since both would require pulling the engine and doing the rebuild.
They were encouraging though. Said the best thing to do might just be to add a bottle of lucasoil with every change and keep driving it while I save up my pennies. The noise did sound "light" to them and "doesn't sound like an, 'oh my god it's gunna blow!'" situation, but it is in the early stages and I do need to start planning for a rebuild.
Life is really wonderful and I know this is nothing to complain about in comparison to real problems, but to quote Nacho Libre, "it sucks to be me right now!"
I'll go over the options again with the sweetheart and we'll figure out what's best for us. I will keep everyone posted! I can't thank you enough for all the input and for those that were willing to help me out in person. Thanks!