...The bigger issue is salt crystals forming in the bearings. If there is not enough liquid oil present to hold the salt or dirt in suspension it will migrate out of the path of the balls...
Jim N.
This is what I was looking for
I actually thought that the liquid oil offered better protection against solid debris, by keeping them away from the surface and getting wedged in between the balls (since the solid particles will be floating on the oil).
Thanks Jim!