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The chain tension is highest when accelerating in 1'st gear. If you use the engine to slow down by downshifting does the sound also occur? Check the slack on the chain. If it's loose, which is what I suspect, the problem will go away unless... You may also have a worn out chain/sprocket set...

Did the contract require you to have gap insurance or extra high liability limits? 10k mi per year is low, below the average for 4 wheel vehicles. How much is the extra mileage surcharge? At least they gave you a good residual, yeay Japanese cars! Unfortunately, there's not much you can do...

How feasible is it to go from mountain (fat tire) to hybrid (thin low drag tire) functions? Can I just change the wheels or is it more involved?

In the northeast there're many toll roads, bridges & tunnels. The Port Authorities don't give discounts for bikes, even though we use far less space than Status Urban Vehicles. If I'm riding with another rider and we pull up to the toll gate (assume an automated one) side by side on our bikes...