I've had this for awhile now, driving me crazy. It happens with or without someone, my son says it is above his head. I took the tops off and checked the bolts for the rear cargo top even put a piece of tape in between. It stopped for a little while and then started again.
Apparently when I was reading this thread, many had responded and at the time it was not posted... weird, but I found it.
New question is, how long did it take to arrive?
I typically follow your rationale here when I buy, but I got a 2020 Explorer ST with 0% so I pushed it out as far as I could. Just wondered if you would have done it too since we seem to think similar.
I did get a decent rate for my 2022 Wildtrak, but not 0%
They are still wanting to produce the mod tops but can't still. They were hoping to have them for 2023, but they can't even produce the MIC tops. Maybe one day? Just not any time soon.
I received my reservation points when I took delivery of my order, not sure if that helps you since it wasn't your order. Someone else might know that answer.