so I jacked up all 4 corners one at a time and spun the wheels. I can hear the bearings rattling on both my rear wheels (although much worse on the right rear). The fronts sounded fine. On a couple wheels the brake pads were scraping as well, but they did not seize up the wheel, just made some noise as they were rotating and didn't let the wheel spin very freely (different than the bearing noise though.)
So I'm going to order some bearings and have at it, I guess!