Solved

I have 81k on a 2015 OR that’s been meticulously maintained (except for the brake fluid) by me and the dealer with the previous owner

2 oil changes ago I noticed some yellow bubbles in the drain. Last oil change there was a pebble of melted aluminum. Yesterday I smelled a burning smell from under the hood after driving an hour home from work. I couldn’t see anything except for some milky yellow under the oil cap.

I know the milk is common with the 4.0 but with the other symptoms I’m going to have it looked at and preparing for the worst

Any of you have the same problem and have a repair cost estimate for gasket(s) or a whole engine? I have a slipped disc at the moment so doing myself is not an option

 

Nothing you described indicates a blown head gasket.

The melted aluminum pebble has me curious. You'd have to get something really hot for that to happen.
Hoy enough that you'd already know the problem.

Have a picture?