You are, of course, absolutely right. In the old days I would have had no problem with tearing in to it myself. But cars where more basic back then. All the screw heads where out in the open. And a lot less expensive to fix.
I might be right in that once it warmed up above 60 I don’t hear it anymore. I think I’ll leave well enough alone in this case. I have a terrible reputation of the more I try and making something better, the worse I make it.
Hi Stevessvt. You can go around the trim panel and check/lightly tighten all the visible bolts/screws/fasteners if you want. But after that, if still within the 4 year/50,000 mile New Vehicle Warranty, I would definitely recommend you allow the Service Department to take a shot at it before taking things apart yourself.
And when you bring your vehicle in...Do not go in, tell them your door squeaks, hand them the keys and leave.
Instead, ask the Service Advisor to send a Tech on a ride with you (or go with you himself/herself), so you can demonstrate the squeak/creak. And get them to state they hear it. Then tell them where you discovered to push on the panel to alleviate it. In this way, you can avoid the dreaded "could not duplicate the customer concern" diagnosis.
Another thing you can try, is to pick up a can of Teflon spray
dry lubricant. Using the little red straw attachment, spray it up behind the door card in the area of the squeak/creak (if accessible). A light spray along the door panel/gap area for starters. No need to overdo/drown it.
I had a squeaking/creaking piece of door pillar trim on my 2018 MKZ. The black trim piece covering the
outside of the rear pillar of the right rear door.
Short story: The car was quiet as a bank vault for the first 5 months I had it, until November/cold weather rolled around. Then a squeak/creak began to occur in the right rear door pillar areas.
Had my Dealership check it on the next service. They sent it to their body shop to have checked. The body shop replaced the right rear exterior pillar trim cover (the piano black piece).
It was quiet for the rest of the winter. Then when the weather began to warm up (ironically), it returned...

I decide to try the dry Teflon spray that I use on our home window tracks etc...
With the doors open, I sprayed it in the gaps/openings that can be seen between the various door outside trim pieces and the metal pillars . Did all four doors, just for good measure. That was 3+ years ago, and not a squeak or creak since.
One heads up. It dries as a dry white powder (the propellant quickly evaporates). So protect the area you are spraying to keep if from accidental over-spray/getting on the interior door panels, seat leather, carpet etc. It wipes off easily, but no sense in taking chances.
I had my wife hold a towel around the gap I had the straw extension stuck into while I was spraying, to avoid a mess in case the straw slipped out.
If interested, this is the dry teflon spray I use:
https://www.lowes.com/pd/Blaster-Ha...V0NSzCh0Y8Af_EAQYAiABEgLIrPD_BwE&gclsrc=aw.ds
So try that if you like. But if still within warranty, I would recommend you let the Service Department give it a check first.
Let us know how you make out and good luck.