My Toro might be a cheap assembly of plastic and tin but it is fairly simple, built with disassembly/maintenance in mind, and Toro does give free access to their maintenance manuals online which show how to replace individual spindle bearings. It only took ~30 mins total to remove the deck, blades, pulleys, and spindle shafts. I discovered one of the spindles' lower bearings seized and after a few hours searching online then in person at various box, ag, and other stores, could only find a non-sealed version of the bearing I needed locally. Given lousy weather reports and an inability to source bearings until today (Monday), I decided to lube and run the seized bearing. I carefully popped the seal out with my knife, blasted the rusty ball bearings with brake cleaner then penetrating oil, and carefully worked everything until freely rotating. I then relubed it with grease, reinstalled the seal, and reassembled the deck. I am sure the seal has lost some of its effectiveness but the bearing didn't seize, sounds decent actually, and our 1.5 acres was mowed so I'm calling it a win.