If the tap is a metallic one that goes right away as soon as you're well started, it could be just lifter noise, and if so, the Marvel mystery oil might help (cuts carbon, supposedly). So might a couple of ahead-of-schedule oil changes with light weight high detergent oil. If it's piston slap, which sounds more dieselish and takes longer to go away, Marvel will do nothing at all for it. Piston slap is caused by pistons that rock in the cylinders, and a thinning, solvent sort of treatment like Marvel will not help. Actually nothing will, but an XJ engine can happily slap away for hundreds of thousands of miles.
A usual characteristic of piston slap is that it will get quieter when the engine heats up and the pistons expand a little.
If you do have a slappy engine, make sure that you keep track of other possible noises. I have found with my 95, which has a persistent slap, that it can mask other noises, such as a failing water pump or bad idler pulleys.