I can tell you from experience, when your friend upgrades to a turbo drive, and you still have standard, he's pedaling easily, and you're just barely able to keep up. Turbo of any type is much faster.
As far as the bearings vs. no bearings go, I didn't notice any difference. There may have been some, but it wasn't readily obvious. One thing I can say for bearings, however, is that it sure makes it harder to replace a cable. I think you could replace a non bearing drive cable on the water. But no way if it had bearings.
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