I'd think after this many years if it was anything significant it would have manifested into a major problem.
Normally I would tend to agree.........But, I can't help but remember my old CJ-5. The transfer cases on them had an idler gear that ran on two sets of needle bearings.
With new gear, shaft, and bearings it was nice and quiet. But, after a few thousand miles, the bearings would wear, and the whine would start.
Over time, it got worse and worse. After a few years, it would be so bad, you could hear the Jeep coming a long ways away.
Despite years of whining, I never saw one actually fail. Eventually the noise would reach the point that the radio could not be turned up enough, and then a bearing and gear kit was put in.
The reason I mention this, is because I know the 205 uses some needle bearings. You whine might just be worn bearings that are loose enough to make the noise, but not to cause operational problems.
BTW, one fine day, someone came out with a kit that replaced the needle bearings in the Jeep transfer case with tapered roller bearings like wheel bearings.
After that, no more whine.
And they were many times easier to install.