Shouldn't need to replace the whole cooling unit. That's a bit extreme (and it's risky + they likely overcharge). Should be able to replace the fan itself. It may even just be dirty. For example, a few particles of dust getting to the bearing can cause a grinding and a noticeable noise. Maybe try cleaning the unit, and you should be able to access the bearing under the center label, you could than apply a drop of CRC 2-26, which is likely what it left the factory with. This will help dissolve any particles and lubricate.
I honestly find it unlikely a bearing is going out so soon.