Tried to spin the hub after the rotor was off. Didn't turn easily for a loose bearing, but smooth and noise free. Hard to detect the play with everything off but it was still there.
Thanks to the diy info getting the hub off was relatively painless. 4' cheater bar, then bolted an old rotor backwards on the hub and knocked it out.
Seems like water was getting in near the inner bearing but not in it , the grease looked ok.