You can lower your gear in a P-38 at 175mph IAS. The stressing sounds you hear is just an audible clue that you're getting in the upper speed ranges for the landing gear. The reason for this audio clue is a concession for the platform we play on since we don't get any 'tactile' feel. It doesn't mean there is anything wrong with how the gears are deployed or modeled in game. You're just grasping at straws now.
ack-ack
I understand now that the Sound associated with stress on the airframe was only a warning. It was my misunderstanding that when I heard that sound the aircraft was actually accumulating stress and at some point that accumulated stress would cause a failure. I understand now that the stress sound is only a warning as far as gear is concerned.
What I should have asked for is an alternate sound or a change to a combination of sounds so that 150 to 175 is more like a slow speed buffet and 175 and above is just the stress sound.