Most of these that I have seen are due to the needle bearings inside the primary driven sprocket (which powers the mainshaft and clutch). It cannot be accessed from the outside, though, cases have to be split to get at it. You can try this to help diagnose it: add some zinc (you can get little bottles of it online, ZDDP additive - don't use Rislone or Lucas stuff) to the engine oil and see if it gets quieter over about 200 miles or so. If it does, the needle bearings are likely pitted.
Also, BE SURE the oil you are using is NOT car engine oil with their typical high-detergent, low-zinc formulations today. Instead, use at the least, Diesel-rated oils in 15w40 (do not use 10w40 in the SOHC4 engine in summertime, ever...) or something like real motorcycle oils. One excellent one today is the Bel-Ray Mineral EXL series oils, in 15w40 or 20w50 (my personal favorite for these).
Car oils with their high-detergent formulas cause oil foaming. This reduces lube to the needle and roller bearings in these engines a WHOLE lot, as they are all splash-oiled inside. When foaming, oil does not have any film strength, and roller bearings get noisy under those conditions.