Thanks for the help guys. :thumbup:
I took the headset apart last night and found the bearings were DRY but not pitted and no flat spots.
FYI: I had to wait until last night because I work the 10 am to 7 pm shift and didn't get home Monday night until 8 pm. Yesterday I drove the car :eek and got home a little earlier.

I'm basically lazy when it comes to bike maintenance. I do the bare minimum and only when it is really necessary. But I'm trying to mend my ways. Plus I don't have all of the "special" bike tools. I have lots of the regular tools (wrenches, allen wrenches, sockets, pliers of all kinds, screwdrivers, etc.), American and metric. I've only recently purchased a pedal wrench and Park third hand brake tool. My next purchase may be the tools to work on my bottom bracket and maybe a cone wrench??

Again, thanks for your help and if you have any suggestion on basic tools I should have, feel free to pass those on. Both of my bikes have all Shimano components (105 on the commuter bike and Ultegra on the road bike).

Ron