I'd had many 10 bolt rears last 200K - 300K with no problems, but that's with light-duty use. They are not designed for heavy work. The older Chevy "Heavy Half-tons" had optional 12 bolt rears instead.
The miles don't mean much. It's more about how it was used and cared for. I've seen many 10 and 12 bolt rears get ruined at repair shops the first time a new pinion seal was installed. Many jerks don't understand the concept of bearing preload and crush. Especially true with the 10 and 12 bolt rears since they use a "crush-collar." Pinion nut gets installed too tight, and a few miles later the pinion bearings burn up.
In regard to your rear - cost to fix depends on what's actually wrong with it. Since the axle bearings ride directly on the axles, often the axles get worn out and need replacement.
You say your's is noisy and loose? Seems you might want to find out why first. A bearing noise is very different from a worn ring-and-pinion noise, and axle wear/slop is very easy to detect. A few minutes of inspection with the tin cover off will tell you all you need to know.
As far as cost of used axles? I've been able to find them all over for $50 or $100 and sometimes free. Don't know why they're so pricey by you. Seems you're looking in the wrong places. Keep in mind matching a used complete axle assembly might not be so easy since you need to match whatever brake package your truck has as well as gear-ratio.
I've got a mountain of 10 bolt rears here, probably over 20 and all are fine. All either 3.08s or 3.42s.
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