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That does sound like a hard drive failing. The software gets an error reading or writing and retries one or more times by trying to reset the read/write head in the disk, which is how you get the click. The operating system may lock up waiting for the retry operation as well.
This can happen with CDs or DVDs as well, same idea.
If you have important data on that disk and you're not doing anything with CDs or DVDs, I'd try to back it up now.
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