I have an 05 XLT and at about 40,000km mine started to whine on the way back from B.C. I took it back to the dealership and they replaced the gears in the rear end. It was good for 2 weeks and then started to whine again. BTW I noticed it at about 80km but the second time it was at 30km. Took it back and they told me a bolt backed out and they fixed it again. 3 weeks later I'm back for more. They replaced the gears again. good for a few more weeks and whining again. I took it back a total of 9 times. I thought I would let them exhaust everything and then I wouldnt have to fight for a whole new rear end. In the end I didnt have to fight for it they replaced everything to do with the rear end. Problem solved. I have 76,000km and it is great still. I have to say the dealership was great they paid for rentals and bent over backwards for me.
Good luck no warranty means Large $$$ for you maybe. The only thing that fixed it was a totally new replacement. Again Good luck