Ford tech helped me with the car, we put on a lift and swapped out fluid. Lots of metal in it. Then ran it on the lift. Its failing. No noise when cold, but lots of noise when up to temp. Puked out some new fluid too the next day on my commute. Rear diff fluid changed too, it was ok. Rear wheel bearings/hubs ok too. As long as the PTU is not connected to the rear end, it will just spin with the tranny, no harm in that short term as long as no one else has had an issue.
As for pulling around by the fronts, that's what a regular FWD Taurus does. !!
Tech says he sees some of these AWD platforms come in with the driveshaft out. Plus, might as well put downpipes and new exhaust on it while taking out the driveshaft. I can do all that. Bought an extended warranty to cover the PTU.

Local Ford dealer wants $2000 to replace PTU, nuts.