recon engine noise

I’m dealing with an ’07 Recon ES. We were trail riding yesterday when my wife stopped me to let me know that her engine was making a strange clatter. The performance did not seem to be effected at all. It didn’t sound like it would be catastrophic, so we finished our ride & loaded the trailer.
Tonight, I had a chance to give it a quick look over. It is a "heavier" tick than valves, but not as deep as a rod bearing. I also noticed that after the engine is shut off, I can hear something "spinning down" for approx 10 seconds before it comes to a sudden stop. (I never notice this noise before, but it may have been there all along.)
Does this sound like a problem in the starter clutch? Is there anything that is a "common" problem with these engines?