Hey, Koda, Nice machine.
If the grinding is indeed coming from inside the T20, the prognosis isn't very good. I'd drain the make sure that's where the noise is coming from and then drain the oil and have a look. If there's metal flakes in the oil, I'd open the cases up and see what's inside.
Once you remove the shrouding from a fan-cooled engine, you lose the channelling of the air over the fins, and most of your cooling.
HTH
Don
Stuck in the seventies- not in the swamp.
(6) Attex, a Hustler, a Super Swamp Fox, (2) Tricarts, (3) Tri-sports, a Sno-co trike, 3 Dunecycles, and a Starcraft! ...so far