your local expert is right the bearing has to be cut if you don''t have a puller for your size bearing. I suggest that you have two cuts about 1" apart.They do need to extend completely through the bearing..you are right great care must be exercised in the cutting. After the 2nd cut take a chisel and hit the cut piece towards the center and then use vice grips to twist that piece out. Use the chisel to then bend up one of the remaining edges and twist out the rest of the brearing. Make sure that there are no set screws that you have not removed.