I found most posts here concern spline wear from lack of lubrication not bearing failure. For a frank illustration about spline failure, watch the adult video by Chris Harris on YouTube, take the usual precaution and remove young children from the room first.
If the rattle you hear is due to worn springs from the back-lash gear-set, then the rattle due to worn springs should not occur on a new bike, correct? My experience is with the K75 and they all rattle, even those with very low miles so I ruled out the worn springs. I always suspected low motor speed = low oil pressure that causes the rods to knock, so avoid low oil pressure. These bikes LOVE to rev so keep the RPMs UP.
Engineers design machinery and structures to avoid a condition called resonance, what you hear at low rpms is a "resonance-like" condition due to the low motor speed, so keep the rpms up and avoid this condition. For the K75 idle speed should be 950-1000rpm, always operate above 3000 RPM, shift points 5000 - 6000 rpm. Your owners manual will give better numbers specific to the K1100RS Hope that helps.