Yes it's firm with the weight on it.Yes, The strut bushing at the top is usually the culprit.
the rubber bushing at the top compresses over time just from the weight of the car.
When you put it up on stands all the weight is removed and it "drops" leaving you all sorts of room to wiggle the top end of the strut assembly from below.
With it back on the ground, turn the wheels so you can grab the strut and wiggle it with car's weight on it- is it firm?
Then I'd start with the top strut bearing.
They work good but, the front end sits a little lower than it did before.How did it go with the Monroe struts? I'm at 88k and was thinking about them myself.
This is what we're talking about, right?
Amazon.com: Monroe 171525 Front Suspension Strut and Coil Spring Assembly: Automotive