Geez... I'm rather speechless.. can't turn the crank, metal in the pan, and what happened was exactly as I described it happening. The ONLY thing that was odd was just before it quit, honestly felt like a mule team of horses couldn't have pulled it up that hill, for a whole 3-4 seconds before it quit... but no noises, no overheating, nothing.
I did have it over to (a different) mechanic though last month, twice, because it would 'hesitate', no power at starting out lower RPM's. we did a tune-up, but he was picking straws, I believe. I had him test drive it, but he said he couldn't really feel anything, but then, I drive it all the time. I insisted it wasn't right, and he searched more, and came up with a backed out/loose plug. So we did the tune-up, which overall gave it a hair more zip, but hesitation was still there. Was going to take it back next month, as I really couldn't afford any more hunting this month...
I would tend to believe the shop that pulled it off the highway would have put it into neutral, after numerous conversations with them, they are quite savvy- by far not 'garage parts hangers'. I'm just numb right now, and need to get it home and need to look inside that engine.
I'm not a mechanical dummy (girl), but I am old(er), and reached a point where I no longer kept my own tools around for things like pulling tranny's and motors, and quit doing my own brakes, etc., but crap! I knew SOMETHING wasn't right... Crap!