The bottom bracket (where the cranks are) is "getting noisy". In fact, day before yesterday I kept hearing a raspy kind of sound, but I thought it was because of all the grit that was getting all over my bike.
And so on. I decided to go ahead and get it all taken care of now. I don't know yet when Tour de Cure training rides begin, but I would guess next February. I want my bike to be ready when the time comes.