Before cats block an exhaust they usually start to rattle. I had one start rattling on an Omega years ago, it was not to bad but annoying with the window open. Luckily for me I went to get the tracking done and the mechanic commented on the noise and said I should get it fixed. I removed it and was amazed to find how the outlet was 80% blocked by the failing cat, a new cat and the car felt like I had doubled the HP.

The usual cause for a cat falling apart is a misfire or ford's ( not the make of car but the shallow water crossing) the thermal shock apparently.

Steve