I doubt a PDI would have caught this, if it existed when the bike was new. You mentioned some off roading. It is simply possible that the bearing got damaged during riding off pavement. My first thought after reading your original post was wheel bearings. I've had one fail and know what the symptoms are. That said, Yamaha wheel bearings quite commonly last over 100k miles. Anyone can get a bad bearing, but 90% of the wheel bearing failures on Super Tens were due to off pavement riding incidents. I recall a curb hit incident as well. Hey, it happens.
I sent a scathing letter to Yamaha when my FJR's front wheel bearing failed at 149,992 miles.
I told them I fully expected to get 150,000 miles from it.
What junk!