at first start up it sounds very rough. once warm, at idle it repeats every couple seconds, literally as if you were sitting by a pond with a frog jabbering away. feel sorry for the guy because i dont feel its a nice car
I bought a 2004 Mk3 TDCI Zeetec the other month and it makes exactly the same noise. Took it to my garage and he said not to worry. Just one of the fan pullys. He said he could replace it then 2 days later it would do the same thing. Doesnt effect how the car runs or reliabilty at all, just sounds anoying when idling as you can here it if you listen for it.
The only thing I have noticed with mine is that when I turn a corner, I can here something sliding in the rear of the car. sounds like something is sliding around in the boot (it isnt, I have checked).
There are the odd minor niggle, bugs me that when I lean back on either of the front seats, one of the pads clicks ever so slightly, again its hardly noticable, but it it does it on both, and the fact is it shouldnt do it.
All in all though im pretty happy with it. Its great on fuel (get around 50mpg at least) and is roomy, solidly built (apart from the seats

)and goes pretty well. I do wish I would have paid a bit more for a higher spec one but there you go.
Oh regarding the clutch, they have a flywheel so if the clutch goes it isnt cheap, mine had just had a new clutch and flywheel fitted by the garage I bought it from so he said it would be good for at least another 60-100k depending on the abuse I give it.
Mine also came with a 5 star AA warenntee with all the extras ticked (turbo, air con etc) so if anything does go hopefully I wont get stung.