Ear plugs
i've changed my mind completely after a 120 mile ride today. it's the front brake pads rattling in the calipers. rode at 20 through a village (20 limit and a good job too, there was a mobile camera in play round a blind corner) and listened carefully while just very lightly appling pressure to the brake lever - i could stop the clicking/ticking noise by applying the brake before it noticeably slowed the bike. so next question (obviously!) - what's the fix?
As far as I'm aware and I'm sure some will correct me if I'm wrong, the front wheel shouldn't be free wheeling, but should have just a little friction from the brakes, as the pads don't back off completely and skim the disc slightly. If you have to put some effort into spinning the wheel then the brakes are likely to be binding slightly and the more effort is needed, the more the binding is.