I had problems with my transmission after an overhaul, it was the shift shaft seal, it was put in crooked and was jamming the shift mechanism.
I'm not so sure that a seal issue would just show up all of a sudden.
Only other area might be the adjustment of the clutch cable, and again I don't think it would start all of a sudden.
I had a clutch cable fail on me, at the handlebar, where the swaged fitting is crimped onto the cable.
The cable started breaking there, and prevented the clutch from operating properly.
Just a couple of wild guess ideas, hopefully it's not the transmission itself.