Have a really bad metal on metal noise coming from my transmission. NV3550, 5 speed manual in a 2000, 4.0, 95k miles on motor. Motor was swapped at some point so who knows how many miles on tranny. Did a fluid change about 4k miles ago with MTL. Pulled drain plug and refilled, didn't pull filter. Drained it again when I heard this noise. Never smelt oil that burnt before, came out black as night. Over my head on this one so took it to transmission shop...waiting to hear results. Question is what would cause this? Been wheeling a lot lately but very much a noob. I'm in Colorado on rocky trails so speeds are usually pretty low. I leave it in 4 low, 3rd gear a lot and just let it crawl. Don't have to use brakes much going down hill, make the engine do the work. Would that be the cause of over heating and burning it up? Extended time in 4 low or using the engine to brake? Usually only run around 2500rmp. Want to make sure I don't do it again if that's the issue