Why does that problem occur on a year or generation specific? Wifes 2009 150 ish K miles, no problem, its never had it changed so must be factory original. I'd like to know what they are doing so different now? Yeah if your not a diy person I agree leave it.Just note that even if you had it fixed, the problem doesn't resolve with a new actuator. Considering the car is almost a decade old, I would just live with it. Yeah, the sound might be embarrassing on the intial startup... especially in a parking lot. Mine still does it from time to time, but recently with the heatwave this summer, it hasn't rattle much since March.
You mentioned this. "If there is a slight amount of looseness or "play" the cam will turn slightly in the opposite direction", this is a vibratory shock loading on the timing chain and tensioner, amplified by the extra slop from the non locking actuator, so there is a possibility of " associated damage" given enough time. How much time? And actually after a quick study, some folks have had timing chain slippage that could have been from letting this go long term.The valves are held closed by a strong spring. When a cam lobe pushes the rocker and the valve open the pressure on the chain rises and then as the lobe passes over top center the tension begins to drop and the lobe actually pushes the cam and the chain in the opposite direction. If there is a slight amount of looseness or "play" the cam will turn slightly in the opposite direction. If you are turning it slowly by hand you can see this effect. Another factor that increases this effect is the variable valve timing sprocket. When there is no oil pressure the variable sprocket can move over a wide range if the locking pin is not engaged. This locking pin in the variable valve timing spocket prevents the cam from turning forward or backward when there is no oil pressure when starting the engine. This is especially noticeable when the oil drains down out of the upper valve train after sitting all night. This is the reason we hear the dreaded loud rattle after an overnight startup. With no oil in the variable chambers the cam jumps backward and forward until oil pressure fills the chambers and holds the cam in its correct timing position. This noise is intermittent depending whether or not the pin locked and how long it has been since the engine was stopped and also temperature and the position of the cam when it was stopped.
Also worth noting is that this "rattle" does not have any associated damage and the engine runs normally as soon as it develops oil pressure and the rattle stops.
Some people claim that turning the key to the on position and waiting for 10 or 15 seconds will prevent the noise when starting the engine. This will not help if the locking pin is not engaged and the oil in the VTC sprocket has drained out. The engine will need to run for a short time while oil under pressure fills the chambers in the VTC sprocket. This short time is when the noise is heard.