I agree! It sounds a lot like a plugged cat. On the 95s the pre-cats crumble and the dust blows down the exhaust and clogs up the main cat. Ford will cover the cat for 80K miles, after that, it's your money. Ford will be over $400 for a replacement cat, typical muffler shop is about $250. You can mail/web order an aftermarket high-flow cat for about $70 and have it installed for about $50.
If you start hearing some rattling noise in the engine area, it's probably the pre-cat chunks bouncing around in the manifolds. Best to get them 'cleaned' before your engine eats a hunk of brick!
