Nope - should all be covered under the warranty. A leaky timing chain tensioner is common on many of Toyota's engines that uses chains. Headgasket is unusual, even more so at this age and mileage. Not something that I would even remotely call "common". I've seen maybe two or three Matrix with a leaking head gasket - all were from previous cases of overheating (warped the head).
2002 Toyota Corolla S, 1.8L 1ZZ-FE VVT-i
2003 Toyota Matrix XRS, 1.8L 2ZZ-GE, VVTL-i (RIP)
2009 Toyota Matrix XRS, 2.4L 2AZ-FE VVT-i
2009 Toyota RAV4 Limited, 2.5L 2AR-FE Dual VVT-i