I think your OD/issues may have been related to the planetary gear problem on the 01-02:
there are more instances of failure of the planetary gear of the 01/02 transmissions. they are not the same trans that was used in 99/00 - which do not have as high of a failure rate. the electronic controls are different along with the valve body and some other internals IIRC.
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it happened to me in my old 01 4r at 113K. as far as im concerned it is a problem.
the difference is that they used a smaller thrust washer or something that allows movement. so as it wears down, it eventually lets go, causing the planetary to give and an implosion of metal occurs
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Yes I have read too that the planetary disk is weaker in the 01&02 4WD trans (Supposedly there is a difference between the 4WD and 2WD trans, I haven't asked around to confirm this yet.)
My Stepfather has a 2002 Sports Edition 4Runner 4WD, at 124K the planetary disc for the Overdrive failed, leaving him and my mother stranded 200+ miles from home :-D
Toyota has not announced this as a recall problem since there only seems to be a limited amount of 4Runners.
Some people have been lucky and there transmissions have lasted just as long as any other year, so its really up in the air.
I'll just plan to keep an eye (or really ear) on it. Your symptoms are helpful so I know what to look for just in case. It's just weird that it happened so quickly, the pan and magnets were pretty much pristine and the fluid looked great.
It did take 3000 miles of driving (which was about 2-3 road trips) for the whine to pretty much disappear. At first I thought it my imagination, but as I started looking out for it, I realized it was all but gone. And now it's been 2k+ miles and not noticeable really. Before you couldn't really talk at Idle to 40 mph cause that whine would be in the background.
Now it's silent at idle and almost not present (I'd say tbh, that no one else but me would notice it, while before it was quite noticeable) going up to 40, past 40 you don't hear anything. Going into/out of OD doesn't make a difference, still quiet.
With the age of these and the fact I plan to keep it forever though, I thought about sourcing a rebuilt trans and new TC and just storing it. But that's maybe my OCD tripping.