I just turned 260,000 with my '10 XLT...... rear bearings/hubs are original. BUT, my front bearings are a different story.
12 or 13 bearings total, several under warranty (1 because the tech installed it backwards).
Centric makes replacement bearings. Google them. They have other TC parts also. Higher quality, for sure.
I paid around $370 @ the dealership for the last bearing they installed.
Also paid $4,100 for a new (reman Ford) trans..... different story.
I have carried HEAVY HEAVY loads in this TC... but not all the time.
I think the bearings are generally way too light for the capabilty advertised.