I'm lazy, I pay my great mechanic to do major "checkup" yearly (mostly to get my bikes washed!, did I say I'm lazy?). But I'm also looking @frames holding up, roadie is 13 yrs & g*dknows how many 100,000 mi, mt bike is relatively newer, 5-7 yrs, but prior racer. I do the basics too, air & lube so that's why I take mine in. It helps to have good mechanic on your side too, easier said than done I know.
I use to know LBS in Tucson, but too much has changed. Do you have a shop you like? A tinkering buddy you can buy dinner for? Alot I think, involves how 'hard' you are on your bikes and riding in adverse conditions (like monsoon season there!). I also know the sealed bottom brackets, headsets, whatnot have made maintenance easier and things last longer too, esp. on newer bikes.
I didn't really answer your question, but I'm thinking, get a friend to ride w/you and see if they hear the same things you do, maybe it all requires a drop of lube!




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