When are noisy rear wheel bearings NOT a problem?

While I don’t know about Subaru bearings in particular, any time a bearing is noisy it typically means it’s failing, and final failure is accompanied by one of two events: either the bearing siezes, locking it up, or the bearing overheats leading to failure of whatever it’s connected to. Neither option is a good one, I’d get it fixed.

p.s. - no, HB and I don’t trade notes before answering questions…