Yea, the Dealer refuse to replace smaller parts anymore, they just replace the sub-assemblies. Considering what they charge for labor, they may be saving you money charging for an entire axle assembly then the extra labor to remove and replace the bearing.
I don't know for sure on the Commander, but the general trend has been to go away from the old "C" clip design and new higher quality double race bearings that can be pressed on with an additional retainer and the bearing also does the same job as the "C" clip, of holding the axle shaft into the axle and NOT letting it pull out. Thats sounds like what your drescribing with the "HUB" that bolts into the axle.
Thing is, on something as big as an axle, I'd think you could save a lot just replacing the bearing and re-using that axle shaft. Often a machine shop that uses a press a lot, can do it quick and cheap.
Noise can be caused by a lot of things, including tires and differential? Have you checked the fluid in the differential, rotated the tires? Rear wheel bearing creating noise this early, is NOT likely, but like anything, there is always that fraction of a percent of the parts that something went wrong during the fabrication and wasn't caught by quality control.
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