I inspect and repack my bearings every twelve months. I never dunk the bearings when I'm putting the boat in the water and I always carry a toolkit with a complete set of tools-- wheel brace,new bearings (pre greased), bearing grease,pliers, spare split pin,jack and a spare hub with shims/cones allready installed. Maybe i'ts overkill but I don't want to be stranded on some lonely road.