I tend to side with Larry. Given the amount of labor involved, if I were going in I'd be replacing everything. I'd also rebuild the clutch slave cylinder along the way.

Given your specific symptom, I'd think most about the throwout bearing. But still, if I were going in that far, a new/rebuilt pressure plate and clutch plate would be in the works. I don't know that I'd bother with resurfacing the flywheel, though, as I can't figure out what that would have to do with chatter only when cold. Plus, unless a modern flywheel is seriously abused, they usually outlast the rest of the car.

That said, so long as it's not slipping and the problem doesn't get markedly worse (which might indicate an impending failure in the clutch plate or TO bearing), then I'd just drive it.