I've noticed my passenger seat belt buckle will rattle between the seat and the rear plastic trim panel when it's off to the side of the seat. You should be able to hear it with the top down as well, but the wind noise might be enough to drown it out some. Was driving me crazy this morning on the way to work and remembered that it's done that before. I just pull it over the shoulder bolster so it rests on the seat instead of beside it.
Might just try popping the cover plate off behind the seat to see if anything is obviously loose that you can see. Maybe the little speaker let go or something?