As I've said before, you like to live in a very simple world...
Increasing levels of acids and contaminants and degradation of the additives are the main reason to change the oil - things that can't be tested by dabbing it on your fingers and rubbing them together...
Comparing bicycle wheel bearings to engine bearings isn't even a remotely close comparison.
You'll be using oil shortly, so eventually you'll have a steady flow of fresh oil in the engine - like it or not. Then you can ask yourself if it's better to change the oil regularly or just keep refreshing it 1 qt at a time.
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