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It died on us. We replaced the transmission in May just to have that one go out last month. ( I HATE ALL WHEEL DRIVE!) The transmission is not 'sealed' as such, but there is no way to check the fluids other than opening a drip hole and, if some comes out, there is enough in it.
How scientific. 
This was designed on purpose. They do not want us working on our own vehicles.
No offense, but one should not have to rely on, or be, an auto mechanic with a fully set up shop just to check some fucking fluids.
The other things you mentioned are also endemic of the fact that the manufacturers were always changing simplicity into massive overkill because they don't want us to repair anything.
Ask John Deere about this. 
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