Problem is you tow to the slip, and the bearings heat up. Well greased in good condition, they will not overheat, but still thefriction will cause some heat. Now you reverse the warm / hot bearings into the sea. The the cooling of the bearings will now cause a partial vacum. SO water will be sucked into any opening, no matter how small. Unlike your car, you don't use your trailer every day, so this little bit of sea water lies in the hub / bearing race etc. Corrosion starts after time, while your trailer stands. Little flakes of rust come free, get in the bearing races...........one day you get that "Bang" as the bearings come apart inside the hub.
Probably need to open them up every year at the least and check out what is going on inside. Much cheaper to do the preventative maintenance than have a breakdown on the side of the road.