I have had some strange rattling sounds coming from the bell housing area for a couple of weeks. They started to get noticably worse and I started to have issues with gear engagement in first, second, and third. It was hard to shift to those gears but no grinding. Less than 1k miles ago I changed the clutch and replaced the transmission fluid with MT90. The fluid did not look like this going in and I don't remember this much shaft play. There is a good bit of fine metal on the magnet. The oil looks silvery if I stir it with my finger. Flash light looks sparkly in it. How bad is it?