Did you then nurse the vehicle home hoping for the latter, but knowing things always turn out to be due to the former?
Before Christmas I siezed my Ural-Daihatsu on the way home from a friend's funeral. (An MZ rider, he chose cremation but close family forgot the bottle of 2-stroke oil in his casket to accompany him to the other side. It would have been great to see it accompanying him up the chimney).
The engine made loud sounds of distress from the rear, slowed, and stopped. The kickstart was siezed. After 10 minutes it freed off, started (sounding terrible), and I crawled home on it.
Today I plucked up courage, broke the frame in half (it's made that way) and removed the gearbox. One of the 6 set-screws which hold the clutch together had undone itself and started to chew into the gearbox case. Nothing bad enough to need repair - except for replacing one set screw, and putting them all back in with thread lock.
I once read of this happening in an old Cossack Club mag, but barely hoped it would explain away what I really thought was a piston siezure. For once, such optimism has been shown to have been well-founded. Although given the occassion which necessitated the original journey, perhaps such optimism should be considered provisional