2019 2.7 Cold Start Rattle

Has anyone have a repair update?
My 18 has been doing, what I call, the Ford cam phaser noise for couple of years now when it's cool or cold outside. Definitely the vvt cam that does it. Just don't know it Toyota will replace. I have the extended warranty but can't stand dealing with people who just want to make you feel like you don't know what you're talking about.
 
is this rattle worse than or just the same as a Gen2 4cyl cold-start rattle knock?
 
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