I've had my Scout since Jan 2010 - manual obviously. The only rattle is the luggage cover when left open, although I haven't done a lot of gravel driving - probably 300-400km (maybe more) out of 25,000km.
My only issues have been DPF related, which comes down to reading about the DPF in the owners manual and following the recommendations to the letter, especially if you do mostly stop-start or short trip inner city running.
My previous car was a Gen IV Outback, and the Scout stomps all over that for perceived build quality, interior finish and driving experience. Rear legroom and dealer availability are the only areas I'd put the Subaru ahead, although the dealer situation seems to be improving. I'd happily recommend the Scout, although I'm looking toward the Passat Alltrack as my next car, purely because of two growing boys.
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