If its doing it under load i would think its more the timing chain making the noise than anything, i have dealt with five 250's now doing that, at idle they were quiet, give it some throttle to start to take off and she would tick and rattle, get cruising and it was quiet again until you started going up a hill and putting some load on it again. Usually chain and guides took care of that along with a valve adjustment.
Its a good point to take a look at the cam too, but your going to have to pull off the whole top end to replace the timing chain guides so i would ride it for a while and save up for a chain, guides, top end gasket kit, and bottom end cover gaskets to do the chain and inspect the top end. Is it smoking at all? If not then you can probably just get by with a new set of rings and hone the cylinder while you got the top end apart, then your good to go for years to come.
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1984 Honda ATC200ES "Big Red"
1982 ATC200E "Hondie"
1988 TRX300FW "Project Quad" Still in progress....