Help: Problem with the rear differential

Hello All

I suspect I have a problem with the rear differential
Anyone have input on a fix or an idea of what the problem may be.

Description:
Noise most noticeable in parking lots: whining, grinding, friction, metal on metal
Shuddering in slow hard turns, especially in U turns
Metal shavings stuck to magnet on cover plate of differential

The local Jeep dealer told me $1200 to replace bearings (I guess they mean all on rear). More than I want to spend and this may not be the issue.

Info appreciated and desperately needed.
Thanks
2000 Grand Cherokee 4x4 and all available options for that year.

rear end shot tearing itself apart sounds like bearing. rebuild or buy used and replace whole assembly.