Thanks for all the feedback.
Did not see bubbles in the overflow, even after some freeway driving and a short hi RPM hill climb.
I did get a 2nd opinion... subaru dealer did HC test and it was negative.
Agree that if the coolant is contaminated enough to produce a smell, does seem the HC test would be positive.
No sludge on inside of radiator cap or overflow cap.
There is some grime lining the overflow bottle, and my shop is saying that is also potential evidence. See attached pic. I honestly dont know how long the bottle has had that crud in it.