actually, you can buy bearings and races separately on many applications. they do this because new rotors nearly always come with the races in them. hubbed drums usually dont (like on VWs).
they are sold under the names of "cone" and "cup", with the bearing being the cone and the race being the cup.
you dont need special tools. all you need is a hammer and a punch. s'poda use a brass bunch for installing (if you dont have the race driver kit). i have never had luck with the brass punch. i was just real careful. now i have the $20 kit.
getting them out is easy. getting the new ones in can take some patience. they have to be seated all the way. i set the hub on plywood while hammering in races. the hammer-hit makes a different sound when the race is seated all the way.
Q- TOHCan beat me by a minute too. curse my editing nature.