Was you serpintine belt recently replaced? There really shouldn't be anything rubbing on it unless it's the wrong size. My son was sold a belt for his truck that worked for a few thousand miles. It then stretched a bit and allowed two pulleys to start rubbing together. This sounded like an awfully expensive mechanical engine problem 'til we spotted the pulleys. A new belt solved this problem. There are a handfull of maintenance items you can do to keep your 850 in great shape but since you can't do them yourself it can be rather expensive. It seems like you wouldn't be able to do them all but be sure the timing belt has been changed. It's supposed to be done at 70K miles. If yours wasn't done you're driving on borrowed time and risking a ruined engine. The '95 transmissions seem to develope odd problems if not maintained well. Be sure the transmission fluid is replaced every 30K miles or so.