Usually when you hear a metal-to-metal hard clank, the engine stops and oil leaks out, she has thrown a bearing or a rod...I would think that you should be good under warranty for a new powerhead. They may try to inspect the fuel/oil and blame that to weasel out of it but I would think that a 2 year old motor should be covered no questions asked.
I know of several suzuki's that had major problems this past season...one blew up (the same clank you describe) the others had lower unit disasters. Over all they are good motors and appeal to most because they are couple K cheaper then their competition. (which is really no better)
All OB's are the same IMO...they are light duty machines, if you get 1000 hours on them count your blessings. The good news they are easy to swap out for a new one.
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