4Runner differential advice

2006 4runner SR5, RWD, v6 4.0

Welp, mechanic said my differential is gone... I’ve had this humming noise for more than a year that I didn’t think much of until recently it started getting worse. Got it inspected today and the mechanic said they found tons of metal shavings everywhere in the fluid. He tells me it is on the very end of it’s life and the whole thing needs replacing. Does this sound accurate? What are my options here?