I have that many sodding noises on my commuter that I dont even bother to find out what it is anymore. Its not reluctance, just that the bike isnt worth spending loads of money on it and it still works fine. I know it isnt anything serious (yet) because I have breifly checked over the conditions of the important parts (bottom bracket, wheels, steering).
The front wheel makes noises, the stem makes noises, I get the odd noise from the BB, and the whole bike creaks a little when I am going uphil and putting a lot of pressure on the frame.
All these things sound worrying but believe me, everything is still strong. The odd parts probably need a clean and grease.