$150 to confirm your diagnosis, that's a ripoff.
Rear bearing /hub can only be replaced as one unit.
I'd move discussion to next level in dealership, then Ford (assuming it's their warranty).
98 Mystique LS v6 atx 110,000km
97 Contour LX v6 atx 125,000km
stock CD on LS, cass on LX
spoiler, tinted windows on LS only
4 wheel discs on LX only
All other available options on both
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