I agree with all the above; I can't remember reading on the forum about a failed 103 chain. I did replace my lifters (cam followers) to alieve an occasional cold ticking, and it did the job. Pretty easy job, can't remember the price of the 'lifters".
You might be able to isolate the clicking with a cheap mechanic's stethascope. (how do you spell that?)
Oh, be sure it's not the little shock absorber on the belt tensioner that is clicking, they can fool you. Just put a finger on it with the engine runnig, you'l feel it click if the bushings are worn.

DG