I have 205k on my 98 and have only serviced the bearings on brake jobs and have never had a bearing failure and still have the original bearings...If you service your bearings-clean, inspect and grease you will be fine. It is just as important to give the swivels a good once over at every oil change and after wading or deep mud to make sure there is not any water ingress. Water will destroy bearings in short order.... The old saying that if grease or oil can get out, water can get in is only partially true. If the component is warm and you suddenly surround it with cold water it can create a vacuum in the hub and actually suck water in. Same with your rear diff. Lubrication will keep the parts from wearing almost indefinetly. I've also done all fluids annually including brake fluid and have never had a caliper, trans, diff or water pump failure. I think a lot of people forget that oil is not the only fluid in the truck and the others are just as important. I've probably spent much more time and expense than needed in maintenance, but still being able to say that after all these miles and having all original components I think it is worth it... You guys with just around 100k have a long ways to go yet. My best friend has several RRC and one has 315k still a daily and just as nice as it was when it was probably only a few years old. Take care of them and they will take care of you...I know there are exceptions on some Rovers, but it still should help with most things so that problems are not compounded.
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