Successful diagnosis of low transmission oil.
I guess reverse is the first gear to get noisy. After I posted this originally I gradually started hearing noise in forward gears as well. Mostly when getting off the throttle at higher RPMs where the motor is no longer driving the trans but rather it is just seeing resistance from the wheels and drivetrain.
I was 250ml low, or a quarter of a quart.
Guess I have a leak on the front input shaft because the fluid comes from the clutch housing. I noticed a long time ago it was damp but never saw any drips. I guess its slowly getting worse.
The worst part is that 3 of the 6 bolts that hold on the front skid plate and the trans skid plate sheared off. So I got the skids off but I cant put them back on until i find time to drill them out. Wonderful.