If you have rust on the axles, make sure none of it is on the axle seal area. As far as taking the axle bearings off, it's going to be tough anyway. You definitely need a hydraulic press to do it.
You can't tell if a T-Lok needs a rebuild just by looking at it unless something is obviously broken. There is a torque test for when it's installed in the vehicle that is outlined in the repair manuals. The easy test is to drive the car and do a quick rolling burnout. Two stripes = good T-Lok, one = bad.