I always check my bearings when I change a tyre, tube or whenever I have the wheel off. I stick my fingers in and feel the movement of the bearing.
A bearing will last a very long time as long as water and grit stay out and the lubrication stays in.
The oil in grease will wick out through dust so keep them clean, and I grease between the seal and bearing seal to help keep water out and slow the drying out of grease from within the bearing.
After you wash it pays to spin the wheels to listen and feel the spinning of the bearings. If your feeling movement its time to change.
Adam.