a bad tranny bearing will make sort of a soft grinding sound with a bit of a rattle, put it in nuetral, and let the clutch out, it should sound smooth, with less then 100,000 miles I can't see a 5 speed going bad unless it was abused, so check out the owner, if they let their teenager drive it for the last 3 years don't buy it, but if they used it as their "new car" and are middle aged older or something they go for it!
from what I remember reading the HX had an engine that got it's power from slightly higher revs, not sure on the exact speed, but that is part of the reason for the reduced mileage, that and the extra weight.
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