Gail stated that a higher fluid level caused higher temps as the fluid churned around inside. Your outer bearings are lubed from the fluid getting tossed up by the ring gear, running over the pinion and out the axle shafts. I always use the 'feel method' on my hubs, if they are warm all is good. I've had seal issues as well on my Ford 10.25, I seem to have to replace the outboard seals about every 5 years or so. Not a big job so long as you have the right tools and a torque wrench that registers ;left and right. I bought the correct tools long ago for the front diff and the rear.
I've had my 60 full floater apart before. Seems as though Ford's 'better idea is plastic upper and lower joints that last a couple years. I've replaced them with greasable Moogs. With the diesel, that front end carries a lot of weight.