97 Ford Contour 2.0L 49k miles beautiful car...

when starting in the morning, you can hear/feel the timing belt hit the cover on the left/top side of the motor. This lasts for about 2 minutes, you feel a thump every 5 or six seconds.

Is this normal or is water pump/idler bearing going out..?

Also should I consider replacing timing belt/water pump/idler bearing..?

TIA