Bout the metal dragging problem, I had the same sound/problem and it was my wheel bearing, a fairly common problem from what I understand AND a pain to remove and replace (need a serious bearing press). Does is drag louder when the problem wheel is on the OUTSIDE of a turn? Sometimes applying the brakes would lessen the bearing sound just by stabilizing the wheel a little... it could be the brakes or pads, but i would bet on the bearing.
