Not from the clues given, sorry. If the motor is not able to turn over and you have metal on the drain plug since this july I would expect something has broken or come loose inside and you are simply rolling the dice on which cover to pull first.
Given the issues these have had with similar issues on two machines on here I would start with the rear cover. understand if nothing there you next have the choice to remove the top end (piston and cylinder) in the frame or just pull the motor. Maybe attempt removing the front cover first.