Indirect observations.
After having a new clutch fitted in the Meriva I heard a noise that seemed to only occur when you fully depressed the pedal (eg, thrust bearing) but that seemed to go away on it's own.
I also noticed a 'clonk' under the floor as the load was put on or taken off the engine that turned out to be a loose engine steady bar.
I diagnosed a noise and symptoms (lack of power) on my mates Transit as being 'something to do with the turbo' and that turned out to be a split turbo hose.
As you say, with the engine often moving about more under different load conditions than most people would realise and that can often account for all sort sorts of strange / intermittent noises and rattles etc.
With Phil's noise it does sound like it could be directly related to the clutch itself, like a friction plate resonance of some sort?
Cheers, T i m