A roller bearing with no load can skid and cause damage, but a taper roller bearing i.e. wheel bearing, should always be loaded unless we have flying RVs. Preloading a wheel bearing can cause damage. Not will but can. When the damage shows up depends on the size and quality of the bearing and how hard the bearing is used. High mileage dose not indicate hard use. A modern truck should have wheel bearing correctly sized to last at least 100,000 if not 2 or 300,000 miles. Everything has a failure point. Junk just fails sooner.