OK, thank you all for your input - here's where I'm at...
I went out to the local diff shop that has experience with banjos.
I explained to him what was happening, and without hesitation he said pinion & crownwheel - when I asked for clarification on what he meant, he said 'they're stuffed'
I questioned again if there could be any other explanation, and he said 'no - whine on load is gears - they need to be replaced, and good 3.08:1 Banjo gears are getting hard to get'
\.... So, I pulled the centre out today to see if I could see anything. I thought there was a more noticable 'shine' on the gears than what I could remember, and also a sharp edge on the crownwheel teeth that I'm not sure was there before....AND THEN I NOTICED.... one of the bearing cap bolts was loose!
I'm guessing this has played a part, but unsure now whether it has stuffed the gears or not?
While I've got it out, I'll try & take it back out to the diff shop tomorrow and see what he thinks. But if it's buggered, I'll tighten up the bolt & put it back in - and then expedite the BW conversion....
Question is, if it is still whining, is running it in the car until I get the BW sorted going to cause any other problems (other than the unbearable noise)?