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Thanks for the detailed advice, I think I'll just take them to the shop -- the bearings should be fine, since the bike rolled perfectly and I thought it must be the chain making the noises, then I took it off and it turned out that the hub is making the grinding sounds, hopefully re-greasing them will do the trick and doing it in the shop will be most likely be cheaper than to buy a tube full of decent bearing grease :) and I only have two adjustable wrenches -- maybe somebody who knows what they're doing could open the hub with just that, but not me
Bearings are cheap, so you might as well replace them anyway.
When I get a second-hand pair of wheels, I'll change them as a matter of course: you don't know what sort of life they've had.
When you've got the hub open, run a ball point pen around the bearing track: you'll be able to feel any pitting more easily than you can see it.