Wheel bearing bad off the shelf?

No, nothing arry at all. I know the tires make sound going down the road, but this sound is definitely a wheel bearing type sound. I don't see how you can **** up a wheel hub bearing install. It's pretty strait forward. Take the spindle nut off, take old wheel bearing assembly off, seat the new hub assembly, tighten the spindle nut back down to 180 ft lbs, done. I suppose I will check the rear bearings too. Not enough grease in them? I've never heard of that. I should repack them then?