Yes, regular off-road use can contribute to Jeep wheel bearing problems. Rough terrain sends repeated hard impacts and side-to-side loading through the wheels that street driving doesn't, and that extra stress adds up over time, wearing bearings faster than typical daily driving would.
On the trail, your Jeep's wheels are constantly taking hits from rocks, ruts, and uneven ground, often at angles the bearings weren't designed to handle on a smooth road. Articulating over obstacles and driving through ruts also puts side loading on the bearing, which differs from the mostly straight-line forces of highway driving. None of this happens on a single trip, but it accumulates, especially if your Jeep is also running larger tires, which are common on vehicles built for off-roading and already add extra stress of their own.
Water crossings and muddy conditions add another layer to consider, since a bearing's seals are what keep water, dirt, and grit out of the internal components. Repeated exposure to mud, standing water, or deep puddles can gradually challenge those seals, and once contamination gets in, the bearing wears far faster than it would in clean, dry conditions. This doesn't mean every off-road drive damages a bearing, but frequent or hard use raises the odds of needing service sooner than a Jeep that mostly sees pavement.
Michigan trail conditions add their own wrinkle to this, since off-road Jeeps here often deal with mud and standing water for much of the year, not just an occasional dry, dusty trail. If your Jeep regularly sees wet or muddy conditions, it's worth having the bearing seals checked along with the bearings themselves, since a seal that lets in moisture can shorten a bearing's life well before the mileage would normally suggest a problem.
If you use your Jeep for trail driving around the Ann Arbor area or beyond, it's worth having your wheel bearings checked a bit more often than you might for a daily commuter. Hoover Street Auto Repair has experience with Jeeps that see real off-road use and can check your bearings, seals, and hubs to make sure they're holding up to the terrain you're putting them through.