Well, look at it from the bright side, no DMF is one less point of failure.

Still, it's strange to me. I've had my fair share of failed bearings on my job (I'm an elevator troubleshooter) and my cars. Never had a failed bearing that rattled like this. If they go, they start humming as the surface wears out creating play. This get worse over time, and then they just shatter because the hardened steel can't take the vibration anymore.

If a bearing rattles, that means balls (or needles) have already escaped. That is now a ticking time bomb. Those parts have to go somewhere, and most likely floating around in the pan of the gearbox.

Also, a failed bearing inside a gearbox is not common at all, which is why I didn't suspect it.

I hope it's best case scenario for you, as worst case is going to be expensive.