If you want to know if it is pinging or mechanical rattles, then retard the timing, or at least check to see if it is advanced.
A possibility is that since you always run premium and the bike normally calls for hotter burning regular, there may be a deposit build up, which would up the compression ratio and build to where the even premium can't prevent pre-ignition. The fact that it occurs under load condition lends credence to the "ping" theory. If you have occasional ping, plug deposits, if new, may not show signs, particularly if the engine wasn't pinging the entire time the engine was running.
What DO the plug deposits look like? ...and under what throttle settings?
If you can't localize where the actual offending noise is coming from, you can do the basic maintenance checks or start taking things apart hunting for more definite clues.
A ping rattle is where the mixture spontaneously combusts from being compressed before the spark ignites it. This behaves as early timing would and starts pushing the piston down before the crank has reached TDC. In essence, some of the pistons may be starting to push the crank backwards. Depending how bad this detonation is, you can break or bend rods and damage bearing, etc.
Cheers,