Idk if my 2014 F3 just hates me, or if her previous owners abused the shit out of her (when I first changed the oil, the oil did separate into two layers, the bottom layer appearing yellowish, indicating coolant leak).

Now, 4000 miles after, I was riding in the rain; second gear, 85 mph, just cruising, nothing crazy. Somehow, the bolt at the bottom of the body that attaches both the fairings to the frame must have slipped out. The left fairing suddenly snapped in half and flew back from the wind. No big deal. In my head I'm thinking "pfft, I wanted to make the fairings carbon fiber anyway. Time to download some illegal (allegedly) 3D meshes of the left fairing for the mold."

But oh no, my rainy day was about to get much worse. Maybe 10 miles since the fairing fiasco, again going about 80-85 in 2nd gear, I just hear a gunshot and suddenly lose all power. I give it more throttle and nothing happens. I swerve to the shoulder and get her in neutral and turn her off. Since the throttle wire was hanging out because the fairing had just blown off, I figured it snapped. But the wire and the cable seemed intact. I noticed white/grey smoke coming out of the bike from the bottom left. I turn her on again, dreadingly, and hear a loud rattle so I immediately turn her off.

So, now, for the millionth time, I'm stranded in the rain on the highway and two weeks later, am still vehicleless (ik, shouldn't have bought an MV as a primary...ik that now).

Anyway, I'm still new to automotives (even after having replaced the sprag gear on my own with the help of a few friends). So, I'm not exactly sure what the hell happened. I'd love some opinions.

Btw, I drained my oil afterwards and saw a tinny chunk of metal in the oil. The plug had also acquired more metal shavings than usual, but not too much more and I'm attributing that difference to a new, neodymium magnet bolt that I put in which must just grab more shavings. But that little chunk of metal was very suspicious. An about 5 mm cube, white/silver in color.

TLDR: lost power going 85 in second gear, rattling sound after I turn her on again, small piece of metal in the oil. Any suggestions on what happened?