Squeaks, clicks, rubbing, etc., drive me nuts. I can never let one get to the point the OP is describing. One that took me a while to locate wasn't the bike, but the shoestring aglets clicking when hitting the crank arms. I always double tie, but those strings I had to shorten. The shoes did not have a string retainer on them. I feel faster, more efficient, and comfortable on a clean and quiet bike. That includes the rear wheel hub, but minimal ratchet noise is ok. My hearing is not so good anymore, ergo, I do not hear quiet noise so much, and I am never sure where it is coming from. The low level, meditative hum from the chain and tires on the road is all I want to hear from the bike.