I know this isn't even comparable but with my 94 S10 (5 speed) in neutral there's a rattling/squeeking noise....i know it's the release bearing goin but i've driven it like that for like 2 years and nothing has happend yet.....mind you i've taken it easy on it. Either way, i'm guessing it's a bearing...Just keep monitoring it as time goes on.....it shouldn't be a life or death situation right now but just keep listening for anything getting worse.