It's tough to diagnose sounds over the internet, but a rocker tap is usually higher pitched/toned than a bottom end bearing...I did not pull both off, just the driver side as it seemed that is where most of the noise was comeing from. I am running the MMR Stage II heads with the 1mm oversize valves. What would I be looking for when I pull the covers off if this happend? would it be obvious damage?
A rocker tap is usually slower than a bottom end bearing as well - main/rod bearing will tap once per revolution most of the time where the cams are going slower than the RPM...
If you want to rule out either, you would need to:
1. pull off the valve covers and check for cam wear, loose rockers or dry rockers (they should all be well soaked from the "lifter" which is where they get their oil). You'll need to rotate the engine/cam around (with the plugs out) for every intake/exhaust valve to checking each rocker for slack on "round" side of the cam lobe.
2. pull off the oil pan and remove/reinstall one rod and then one main bearing at a time to check for wear...
Without being able to hear it, I can't really say if such drastic action is justified...