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Mini Cooper S timing chain rattle, is it always the tensioner or could it be something simpler?

My 2015 Cooper S has developed that distinctive rattling sound on cold starts that every Mini owner dreads, it goes away after the engine warms up but from everything I've read that's the classic sign of a timing chain tensioner starting to fail. The car has about 95k on it and I know the N18 engine is supposed to have addressed some of the earlier timing chain issues but apparently it's still a wear item at higher mileage. Before I commit to a potentially expensive timing chain job I want to make sure it's not something else that mimics that noise, I've heard the VANOS solenoid or even a loose heat shield can create similar sounds that get misdiagnosed. Looking for a Dubai Mini Cooper specialist repair shop that won't immediately jump to the most expensive conclusion, someone who will actually listen to the engine and do a proper diagnosis. I came across Dynostar which seems to work on a lot of BMW and Mini products, they should be familiar with the N18 engine and its quirks. Anyone with a similar generation Cooper S been through a timing chain replacement, what were the early symptoms beyond the cold start rattle and roughly what did the job cost? I'm trying to figure out if it's worth doing preventatively or if people typically wait until the noise gets worse. Also curious if upgraded aftermarket timing chain kits are worth the extra money or if the OEM replacement parts are sufficient for a daily driver that doesn't get thrashed.