Bob,
I am no expert but since first and second mesh with different gears on the cluster, I would think it more likely the noise would come from the bearings rather than the cluster.
I can also tell you that, after dissassembling and assembling my transmission two or three times, it is not all that difficult to do the repairs yourself. If I can do it anyone can.
If you are looking for a cluster you might want to check with Len Dawson at Deception Pass Motors. I got my cluster from him and he had the best price by far.
Jim Yergin