higher fan load/speed and much higher temperature makes the bearings groan (on mine)
you can't rule out possibly the pump bearings are shot. with the front cover off hold a long screwdriver to the pump body with the (blunt--H&S) end tight to your ear. you can hear the pump bearings
fan bearings are a strong contender
i'm only saying what i hear on my own boiler (9 years old and only 1 pcb)
fans don't last forever
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