Its the fan(s). I say fans based on your description of "whirring". I re-listened to your audio clip, through a pair of good klipsch over ear headphones powered by an onkyo receiver. I still can't hear anything abnormal, but I trust that there is since you're noticing it.
Theres nothing that any game or program will do to a hard drive that will make it any more or less noisy. The platters spin at a constant speed, so if that were the noise, you would hear it all the time. If it was the head seeking and reading/writing data, and it were audible enough to hear it, your drive is shot and you wouldn't be loading games much less able to return to finder.
I hope when you get it back its fixed for you. But if it is, its due to the fact they blew out some dust or reseated the fans.
Thanks, I think you're right. The AHT error message seemed to indicate the same thing; however, what still baffles me is that switching between a game and the Finder, for instance, eliminates the noise IMMEDIATELY (i.e., no ramping down).
Another intriguing point is: I've tested all fans with smcfancontrol and was NOT able to replicate the same noise even when I ramped the fans way up...so isn't there a possibility that, when seeking information, the drive IS accessing a now-faulty/soon-to-be-shot area of HDD (exactly where the concerned game files are)?