My 04 GS has now, thanks to a recent trip to morocco etc, done 44.5k miles. It started rattling fora bout 5-7k. BMW recommended that 20/50 oil was used for the exact reasons stated above. It's a workaround. You'll find it will rattle alot if your continually gunning it in 2nd and 3rd gear going from 5 - 7.5k revs too. Rattling is the noise an engine makes when oil cant get inbetween the metal bits! I've been convinced my bike is going to 'blow-up' one day,and it's been into the dealership on a couple of occassions, as sometimes the rattling does not stop on one side, until i rev the engine. But to-date, it has not failed. (the rest of the bike has on mant occassions, but the engine has stayed solid, if not a little noisey !!
Whenever i have a loan bike i choose the boxer engine type, just so i can compare. None of them rattle half as much as my one does, so it's just one of those things.
Another little cheat to stop it rattling when reving high then low, high then low etc in 2nd and 3rd, is just to put an extra 1/3 of a litre of oil in the engine. This helps on long trips too, cos you dont have to take any extra with you.
There's lot of 'how do i check the oil' on this site too.
The way i do it, is leave the bike running, and if i can see the oil running/sploshing around within the top 2mm of the circular window, then that's enough !!