Neutral acting like 4th or 5th gear

Well first off I should point out that restricting what kind of answers you get is somewhat silly. If you need a new transmission, telling someone not to tell you that you need a new transmission kind of makes your whole question pointless.

Fortunately for you, you might not need a new transmission. It could just be that your shift linkage is broken/bent/out of adjustment. Have that looked at first.