That doesn't seem right, but I wouldn't have the first clue about the wisdom of taking it apart. Good luck with that.
If it's going out, IMHO, I'd just baby it along until you decide whether or not to have it repaired or buy another unit. Wash lighter loads twice in the cycles that work if they need extra cleaning, etc.
Many years ago we had a used washer that we picked up for $50. Eventually it would get tired and stop the rinse-spin cycle after 2 or 3 loads. I got used to letting it just rest awhile and it would work again...until the next time. Did that for about 5 years and we got our money's worth out of it 10 times over. lol!
Seriously though, appliances are so expensive and I can see why you're getting worried. I'm going to offer some unsolicited advice...buy "used" the next time. Find a reputable used appliance store. They usually give a 30 day guarantee, plenty of time to find out if you got a lemon. You'll save hundreds of dollars!
I love the washer we have now. Bought it about 7 years ago for $100. It really does have the over-sized tub the manufacturers promise these days but never seem to deliver. Mine will handle a king size comforter and do a decent job of cleaning it.
Oh, it would be nice to have a pretty, brand new, top-of-the-line washer and dryer someday, but we're talking laundry here....smelly socks and sweaty shirts. This is not rocket science.