Transmission problems in Ford Territories are far from unknown. That said, 64,000km is very low mileage for major problems to occur.

But the real answer to your question is yes; it’s unwise to continue to drive a car with a noisy transmission as you risk doing more damage to the unit. The actual cause could be any number of things from a low fluid level to damaged or worn internal components. Either way, it needs to be sorted before extra carnage occurs. A transmission specialist should be very familiar with this gearbox and its quirks.

The security system in your Territory is automatically armed when you lock the doors, Martin. As well as the door locks, the system should also immobilise the vehicle electronically, preventing it from being started without the computer-coded key, even if a window is smashed to gain access.

As for an actual alarm where the lights flash and sirens sound if there’s an attempt to steal it, I’m afraid that wasn’t included on the Territory. Perhaps your car has an aftermarket alarm system that offers those functions, but if it does, you’ll need to contact the alarm’s manufacturer/importer for the instructions on how to make it work.

Theoretically, yes the transfer case could cause a clunk from the drivetrain, but without hearing the noise in person it is next to impossible to diagnose. You can find all recalls issued by Ford here.