Well, rode some more today...the sound is for sure a whistle. Increases in pitch as rpms increase. Finally, as engine speed increases high enough, and I let out the clutch, sound either goes away, or pitch is too high for me to hear, (but the dogs prolly love it! )
Oil is OK, coolant was low, but I filled it; runs great, so I'm not gonna worry about it. Just gonna let 'er whistle. Makes everyone at the stop lights think i got a blower!