so is there any way to check the spindle bearings without power?
will one of these perm magnet chucks on amazon for $150 be fine or do i need more?
I don't believe you can check the spindle bearings without power. Obviously if it is seized - that's a problem. In my case (the Ingar) performed okay, but I really wasn't getting as good a surface finish as I felt I should be. When I finally took the plunge and disassembled the spindle, I discovered a previous owner had installed conventional C3 clearance bearings (about $25 for all three). The correct bearings, called out in the manual were nearly $500 (they would have been more, but I got two of them as NOS off ebay).
In the case of the Ingar design, the spindle is actually quite simple. I made special sockets (4 finger) for the bearing nuts and a pusher to keep everything straight on the disassembly. I heated the bearings for the installation. Most of the time was spent in making tooling. However, all spindles are not the same. I have no doubt that some are very difficult to service.
The new bearings really did help, but technique is also important. Just because the grinder turns on and the wheel goes around without squealing - does not mean the spindle is good. Just because you don't get a good surface finish, does not mean the spindle is in poor shape. In otherwords, simply being able to turn the grinder on, perhaps do a quick grind - will tell you almost nothing.
If you want to buy a grinder that you know is all good - then go to a machinery dealer and get one with a warranty. Expect to spend a lot more $$.
The cheap permanent magnet chuck is probably fine. I got one and I am very satisfied with it. Once you have the magnet ground in, there really isn't much that can go wrong.
Be forewarned, grinding is a skill all in itself. Don't expect to mag a block of metal down, switch the machine on and start getting "rock star" results.
C-Bag is certainly correct that one is well advised to run a machine before buying. I rarely do that. I generally just give the machine a good look over and then buy or walk. The reason is that I'm buying at the bottom of the market - and any machine that is powered up and working well is out of my price range. Of course if you have the $$ and want the confidence, then test the machine out thoroughly. I've been fortunate - I've bought 6 machines based just on looking them over, all have worked out well for me. I have bought a couple that I was able to test out - they needed repairs too. My very first machine (38 years ago) is not one of those 6 - that one I got from a machinery dealer.
How much is the grinder you are looking at? If you are not overly exposed, then go for it. Perhaps it will be a boat anchor, perhaps you'll be able to sell it on - maybe it will work out. I suggest looking for "good bones" and don't sweat the small stuff.
Let us know how you make out. David