Definitely take it apart and repair it!
The toughest thing when I took mine apart to replace a sheared pin was that one side of the tines was grown onto the shaft that it was pinned to. Once that was free, it was just a matter of disassembly, lube it thoroughly, then put it back together. I had ordered new bearings, thinking that the originals had to be worn, but they were fine. Replaced them anyway because I had them. If you need the tiller, order the bearings just in case. If you don't need them, return them.
Take lots of pictures for reference during the project.
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nra1ifer 
Cub Cadet 123, Wheel Horse C160, Craftsman PGT9000, Speedex 1631
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