I think that's the key: as long as the "undesirable noise" (as Ford puts it) doesn't affect performance, safety or longevity, I think I can live with it, rather than have my $80,000 rig torn down to the frame by some random Ford shop. That's why its a "customer satisfaction" campaign and NOT a recall. Ford is just trying to make customers that hate a ticking engine happy. They flat say it's a noise and nothing else. I suppose I will take the gamble and if my 3.5 Ecoboost suddenly explodes driving down the highway one day I will be the first to get on here and let everyone know. But don't hold your breath lol.
Again, I sympathize.
I had a 2018 3.5 Ecoboost for just short of 4 years. Only put about 40,000 miles on it, but it was both tuned and used for towing various RV's at the time. (far less towing these days, but always have the truck ready for it)
Anyways, I never even heard the coldstart phaser clatter on that truck. But I was pretty diligent about doing what I personally felt was everything that I could do to "protect" those phasers.
Basically I ran short oil change intervals.
I made sure to get the truck good and hot to battle fuel dilution. (Blackstone reports stated little to no fuel dilution)
And I always used the flood-start pre-oiling routine of the truck had sat more than 24 hours.
That truck was as quiet as a church mouse.
Although I have never seen anything definitive regarding the real reason for the phaser pin to cause that wear in the hole it struggles to find home in, I could only surmise that it's the "moments" of inadequate oil pressure that lead to the wear. So I did what I felt I could do to reduce those moments as much as I could.
Had it started to clatter, even though I still had 20,000 miles of warranty left, I often pondered whether I would let Ford tear into it.
I never had my pondering tested, but I was pretty convinced that I would avoid the repair as long as there was no additional issues beyond the momentary hunting for home clatter.