It's possible that it's my water. But the shaft definitely wears out, at least for me. I've always had ACs that started out quiet and got louder over time.
You can't see the wear on the shaft unless you pull it out, and if you pull it out, then you need to put a new one in, because the pliers will leave marks on the shaft and it won't be smooth any more.
Here is a picture I found of some work AC impeller shafts:
I believe these are all AC110 impeller shafts.
But, as you can see, the damage happens below what is visible to the naked eye. My AC 70 shafts never get this worn. But they do wear out eventually and get pockmarked with rust. I think the AC non-110 filters have the impeller spin at a slower speed than the AC-110 does.
Most HOB filters I have used that have the motor on the outside of the tank, have the impeller and shaft as one unit. With Marineland or Tetra filters, that's what I see. The AquaClear does not. It has the impeller shaft in the motor.
Everybody's experiences are unique. If you gave AC filters that are a decade old, then I would say it's worth looking at the impeller shaft. Replace the one in your oldest filter and see what it looks like. If it was fine, then you're only out $6.00 and can leave all your other filters alone. If it's worn and you have Aquaclears, then you can set up a maintenance schedule for the others.