"The cooling down before shutting off does seem like a good way to ruin the stator windings as a sudden turn off after high voltage generation could burn them up. I think I have been pretty good at doing that in the 3 years since I've had it, but can't say for certain I did it every single time. I will now definitely adopt a procedure to turn loads off and let it cycle down before turning it off."
Mike,
Not sure that was what you meant to say in first sentence but I got you meant...The varnish on the windings can just break down with age or misuse. Not cooling the windings down, before shutting down, can cause the stator to fail due to more extreme heat cycles. The stator, when generating electricity under load, gets hot due to losses in the windings consuming energy in the form of heating. There is resistance in the windings and that produces heat just like in a hair dryer. When you run the generator under no load before shutting down, it is actually eliminating the stator resistance losses, and therefor the heat generation within the stator by the windings is eliminated. When you start a no load cycle of the stator, that is when the cooling cycle begins with air flow from the cooling fan. The longer the running period and the higher the load the longer this cooling cycle should be run.
The adhesives holding components together in the stator can also fail just due to age, vibration, or poor construction. You did have an early fail, this component usually lasts longer.
Later Ed