Lol, first time I read this I thought you said you just did your first oil change at 118k.
The Tacoma is quiet when cold, and ticks when up to temp.
My Nissan would have the loudest lifter tap you ever heard when cold. I thought it was a rod knock for a long time. Best I can describe it is banging sledgehammers on thick metal. But when it warmed up, that thing was silent.
What pisses me off most is the lifter tap is most of the reason I sold the truck. It still ran fine after 35k of tapping, I just couldn't stand waking the neighborhood up every morning anymore!