I'd say don't chance it. If the noise concerns you, don't hesitate, have the pro's look at it. Mine was chattering a bit more than usual, and after continuously pestering my dealership, I finally got someone who could actually spell "Big Dog" to take a look at it. Turns out that two of my lifters had collapsed. The bike had to be trucked to a different dealership in order to be worked on. Good thing I caught it when I did, the damage could have been worse.
Remember... If you get the feeling that someone is blowing smoke up your ass, it's probably because they are.