My 2020 has 96k miles. It would not be surprising if pinion or carrier bearings are showing signs of wear. Still, there is no oil leaking out of pinion or axles which I would expect there would be if bearings were seriously degraded. Also, the noise when off throttle was only noticeable with the JXB inserts...and I believe only those with the double inserts have reported this. I suspect this is because the passenger side insert sits deep into the mount and there is more transmitted NVH of the insert face to the mount collar. Don't plan on jumping the gun and replacing the rear diff but if I do, it doesn't seem like a new one is all that expensive.