This is what I found on another thread and pretty much says what you mentioned...
"When do you hear the noise. First gear, second gear,etc.
It makes a difference, as these transmissions are not known for being that noisy.
A noise in 1st, 2nd and 3rd gear, but goes away in 4th gear, would indicate a worn main drive bearing, also known as the front input bearing, or just front bearing.
A noise in 4th gear only would then suggest a worn rear bearing, on the output shaft, as the load is imparted on that bearing in 4th gear. Not likely.
When I think of a whine I usually start considering a gear whine, bad pattern from previous bearings worn really really bad, or someone ran the trans low on fluid and the unit overheated."
I had an input shaft bearing on mine making noise years ago. I was able to repair/replace the bearings myself. It was my first transmission rebuild and this was way before the internet and You Tube. I guy on You Tube named Paul has a very good video on how to the the T-10. In fact I used his video last November to guide me through a complete tear down of a Doug Nash street 5-speed. If you have the time, take off the side plate and take a peek. If the teeth are not blued then it is more likely the bearings are toast. That can be replaced without digging into your wallet.