Usually any start-up rattle is related to one of two things: 1 Mostly the anti-drain-back-valve (ADBV) and its ability to seal well when no flow is present. 2 The nature of synthetic oils which often exhibit drain off. This not to say there is not some residual oil film, but it can be much thinner.
Most synthetics (PAO & POE) have a lower surface tension than straight dino oils. In part, this is where that 0W low viscosity cold fluid comes from. This means they do not maintain capillary fill as well. So for vehicles that sit a lot, often this comes with rattle. Good old dino oils are much better at maintaining a thick'er residual oil film in the bearings, so are often much quieter on start-up.
If you get rattle, the first thing to do is change the filter. Get say a Napa Gold and see if the rattle goes away. If it does, you know it was the ADBV on the first filter ...
As far as running oversized filters, why not? They are the same cost, you get a bit more volume (always good for cooling, one of oils main jobs, heat transfer), and they flow cold thick oil better w/o opening the internal by-pass valve because they almost always have more media. More area to pass the oil through.
They also have more media area to capture debris. So they can more easily go 2X oil changes, if that is your thing (it's mine)