The zerks did have caps but the dirt and wood chips being exploded by the cutters made it so those caps were blown away after less than an hour of run time.Bearing type also plays a big part in 'wear'.
'stump grinder', 1" shaft, I don't think a ball bearing would be the best choice considering the rotating mass and the stress of 'chipping',there's also a LOT of side to side stress involved. Has to be a website somewhere that details bearing choice. I know bearings are rated for speed (RPM)as well as axial loads.
Keeping 'dirt' (grit, sand,slivers) out could be as easy as cutting up an old inner tube into a protective 'booty' with an access 'flap' to grease the Zerks
Is the cutting wheel perfectly balanced ? If off just a tad that could affect bearing life as the shaft is going 'up-down' every revolution. maybe not much (1-2 thou) BUT over time it's not good !
it'd be interesting to see what Vermeer and the other 'big boys' do/use ,cause they seem to run great ,all friggin day long , around here...
The cutter wheel is true as it was cut and holes marked on a lathe but the cutter pockets or holders and the cutters them selves and bolts are never perfectly ballanced. There was several grams difference between different cutter pockets, cutters and bolts. I tried to match them up so each cutter assembly was some what ballanced to its opposite. Then on top of that everything is a wear item and will get smaller, thinner over time.
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