I have tried both kind of trimming bits...
where the bearing is "on top" (near the collet) and bits that have bearing at the bottom (the end of the bit).
after using, I prefer ones with bearings at the bottom.
The ones I have with bearings on top, if you look at the bit closely,
you have the bit itself, then the bearing on top, then another ring (with a lock screw) to hold the bearing in place.
my experience is... after some spinning, that top lock ring will come loose, and that bearing will start to slide up and down, making your cut not perfect.
So, if you want to use a bit with bearing on top, you should use straight bit, and then use those rings that locks on the router plate.
that's my limited experiences.... hope it helps.