Not a rattle, not really a thump, but my car has been making weird sounds inside the car. I wanna know if it may be my shocks/struts? How do you know if they are going bad? My ride quality really hasn't changed.

Can you describe the sound and where it seems to be coming from? We may be able to help if you can give a few more details.
If your struts/shocks fail, you will have no damping of the suspension rebound. The tell-tale sign is the repetitive "bouncing" of the car after a bump. In cases of a physical failure of a strut/shock, the corresponding noise will be quite loud, such as a heavy bang or clank sound when the suspension attempts to travel up and down. In many cases, the strut/shock has leaked fluid and is bottoming out on the bumpstop, causing extensive suspension travel and a noticeable thumping when the cylinder comes into contact with the bumpstop. The sound can be violent and usually VERY noticeable when driving the vehicle on rough pavement.

Don't forget the obvious- check the spare tire, cover, lug wrench, and jack under the seat. I get a thump or two when I go over massive speed bumps, but I'm pretty sure it's the stuff I stashed in that little cargo area beside the spare.

I got my 05 xB used..and it has a mild..chirp like sort of sound that comes from somewhere around the dash
I have not been able to isolate it yet...any ideas?

Thats what it is kind of a metalic ding coming from under the dash. also back seats seem to rattle. I was curious that since the seats are near the back shocks....

I dont have the bounce so I guess I am in the clear.

There are a few sources that could cause a metallic rattle sound in the rear of the xB. The first, and most prominent, is the rear gate and its internals, including the wiper and door-release assemblies. The rear gate is thin and will echo small rattles, making them seem larger than they really are. An easy way to resolve this is to add some sound deadening material to the inside of the rear gate. Dynamat works well, as well as many others, including eDead V1se, Raamat, Damplifier, etc.. Stuffing the door with some upholstry foam is another excellent way to reduce the noise from the rear gate.
Another source is the rear license plate. Since the rear plate is only mounted with 2 screws on top, it leaves the bottom of the plate loose and capable of "clapping" against the stops on the gate. This causes a rattle that is very audible when the car hits a bump in the road. A subwoofer setup will also make the license plate rattle VERY noticeable. Resolving this is very easy. If you have any sound deadening mat left over from deadening other surfaces of the car, you can use a small strip of it to silence the plate. Simply peel and stick a small strip to the back of the plate along the bottom edge. This will dramatically reduce the plate's tendancy to resonate and rattle, as well as insulate the points of contact where the plate and the stops on the gate come together. If you do not have any sound deadening mat handy, you can pick up some Air Conditioning Tape from your local auto parts store. This tape is SUPER-CHEAP and can used in small quantities to eliminate rattles all throughout the car, including rattles behind interior panels. Simply peel off a little bit of the A/C tape and stick it to the back of the license plate where the plate and stop seem to come into contact. Press the plate, and the small spot of A/C tape, against the stop on the gate. The plate will stick pretty well and should no longer "clap" against the stops on the gate.
The rear seats can move around and may rattle at the hook. This is another noise that is easily resolved. Simply wrap the post with a little electrical tape. The tape is black and will be unnoticeable to anyone else. It should "fatten" up the post a little, eliminating some play in between the post and the hook of the seat. It should also cushion the hook a little to prevent metal-on-metal rattling.
Dash and interior rattles are a bit more difficult. Many things can cause rattles in the dash, from items in the glove box, to loose speaker mounts, to... uh... ...snakes loose in the dash and A/C vents, but that's another story for another time! (I'll explain if anyone is still interested after my dictionary of a post here) The best way to resolve rattles in the interior and dash is to first, locate and isolate the source, then use a little ingenuity to stop the noise. A/C tape works well between interior panels that like to buzz and rattle. It also works well around speaker mounts to prevent the mids from rattling in loose mounts.
Finding the source of noise is the hard part. Stopping the noise is usually easy.

My wife's xB developed on it's own a suspension noise that could be heard but not felt in ride dfference. A noise that seems to comes from mostly slow speed road bumps.

....I had a bolt of unlikely wisdom and said, "Loose shock nut, take it to the dealer and they'll tighten it for free."

She did and they did....sweet.