Take your external filter off (the one under hood passenger forward of trans). Cut it open and inspect pleats in filter for residue/debris.
You can also send a fluid sample off to be tested for content and condition of fluid.
It's most likely the clutches if Allison has tested it.
The governor filter is external, located on the very rear of trans, below output shaft, behind a large 7/8" or 15/16" nut. It is thimble sized filter, cleanable and reuseable.
I had a transmission fail in july 2016. When I bought the truck in july2014 it made sounds like a screech owl when upshifting. Pulled solid with no slipping. Oil was clean and clear, smelled fine. Downshifts were quick, firm, and decisive. So I proceeded to drive the truck 7000 miles before the trans failed in the forward gears one night. Never lost 1st or reverse. I replaced the entire trans with a new rebuilt one out of the can.
Be sure and use the correct oil when going back with a new trans, do not use motor oil. In cold enviroments, the motor oil is too thick and will cause failure of the transmission unless you use a heat pad on the trans pan, and let the transmission warm up 30 minutes before driving per Allison instructions.