Often the inside of the Cat starts to come apart, sounds kind of like a tin can full of nuts rattling. Sometimes a baffle in the muffler rusts and rattles. Saw one old Renix with a timing chain so loose it actually cut into the cover.
I've never had any timing chain rattle in any of my XJ's 87, 88, 96. I have heard of some octane ping (rattle) in the post 97 models.