You're kicking your own ass here.
The "rattle" in neutral is a loose chain, which you're spinning backwards, so the slack is on the opposite side, and it rubs on the case.
The wheel shouldn't turn at all by hand when it's in gear. If it did, it would not propel you. With the clutch pulled in and the engine off, it can be difficult to turn the wheel, and it's really not even a necessary test- the running engine and warm oil will allow the clutch to release properly.
Tighten the drive chain to proper slack, and go ride- you've just proven that your clutch works properly.