One of the big tell tell signs of bearing failure is slight left and right swerves when driving down the road. If the bearing is bad then the noise will usually change when swerving slightly.
Correct, and it will change as the calipers contact the disk (assuming disk brakes), and usually you can feel or hear it if you jack up the wheel and rotate it by hand.
That kind of testing is probably best done by going slowly in an empty road.
You just described the rubbing/dragging perfectly, Revel. It, indeed, ever so slightly pull to the right.