Sounds similar to my DR650. On the DR the 2 bolts that hold the NSU (neutral sending unit) in place sometimes FALL OUT ... and end up ruining the trans.
A common fix (preventative) in the DR crowd is to Loc-Tite those bolts in place.
The first symptom on the DR that the NSU has come loose .... is ...
the neutral dash light goes OUT!  On the DR if that happens ... pull over, and find the errant bolt before it ruins something ... many have found a bolt in the sump or on their magnetic drain bolt.
I doubt the XT is the same ... but worth a look.
Good luck tracking down the problem!
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