Using a thinner oil does not mean that there is inadequete lubrication - City is designed for 30 grade oil.
The noise might have some other cause - valve clearance (tappets) should be checked at ~100k km anyways.
100k km isn't even close to a high mileage engine, and even if it was - that doesn't mean that you switch to a thicker grade oil just because of 'conventional wisdom" or hearsay. If 100k is high mileage, then my 400k driven ES1 must be ancient. I still use Honda or Total 5w-30 in it, depending on availability.