I use the zerk to grease the wheel bearings. I usually do it at a stop after towing for awhile so there is a heat factor to help move the grease along. I use only one pump per wheel. I think that many can overgrease by doing it too often or too much grease at a time.
As to the grease covers on the outside, I too had some tear. I found that pulling on them is not good, I now use a screwdriver or something similar to remove the rubber dust caps.
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