Could this be my fan or hard drive needing to be replaced?
Could be either tbh but I`m leaning towards the HDD as the noise does not sound like failing fan bearings of fan blades that are catching.
Check the HDD with CrystalDiskInfo 7.0.0 Standard Edition which you can download from here once done grab a screenshot (possibly two) of the results and attach to your next reply for us.
To capture and post a screenshot;
Click on the ALT key + PRT SCR key..its on the top row..right hand side..now click on start...all programs...accessories...paint....left click in the white area ...press CTRL + V...click on file...click on save...save it to your desktop...name it something related to the screen your capturing... BE SURE TO SAVE IT AS A .JPG ...otherwise it may be to big to upload... Click on the More Reply Options tab then after typing in any response you have... click on Choose File...desktop...find the screenshot..select it and click on Attach This File...on the lower left...after it says upload successful...click on add reply like you normally would.
Screenshot instructions are provided to assist those that may read this topic but are not yet aware of the “how to”.