I've never laid eyes on the bearing itself. Is it an open bearing or a sealed one? Muddy water by its very nature is full of abrasive particles. It isn't rocket science pointing to that as a possible cause for the trouble.
Then that leads me to think that there should be two more things added to our "repertoires" of both preparation and the after-trip cleanup.
In the preparation stage, all exposed bearings should probably have some semi-adherent lubricant/sealer applied, perhaps like a heavy grease.
In the cleanup stage, those bearings should have this stuff removed, which will remove any particles caught (and obviously stopped from entering the bearings).
Worth thinking about?