No they're not lubed by gear oil.
There's an inner and outer seal per side.
Looks like I better take mine apart and pack the bearings with grease then. I have never done it and I have had the axles out. There is no information in the service manual about repacking rear wheel bearings just a note to apply grease when assembling. That's a grey area in the manual. I must be thinking of a C clip style axle. I think they just have a outer seal.
