I understand that knowing what needs servicing on a bike is tricky to pick up. It is plausible that you need a new chain. I know newer cyclists might be concerned, understandably, that the bike store's trying to upsell you, but you can actually wear a chain out pretty fast if you don't maintain it.
I'm not sure how often you apply lube, but if it is only once every 4 months, this is extremely unlikely to be enough. I tend to lubricate my chain weekly. If you wait until it starts to squeak (which means direct metal on metal contact without lubricant, which is bad), you'll also accelerate wear.
If you aim your pressure washer away from the bearings (in your bottom bracket and hubs especially), I don't think this is a major problem. It is actually not the best way to clean the chain.
At an absolute minimum, I'd leave the factory lubricant on it, wipe the surface with a rag every ride (aim is to reduce the amount of dirt on the chain), and add lube every week. Avoid Muc Off and White Lightning - if you prefer a detailed rationale, I'll add it later.
Since you have the resources and inclination to clean your chain periodically, that helps, maybe considerably! It's better to get an on-bike chain cleaner. Add some dilute degreaser and run the chain through it. You'll see the degreaser get black. All that was dirt that's inside the chain, particularly in the rollers, and it's accelerating the metal's wear process. If you feel able, you can get some re-usable quick links and a pair of master link pliers, remove your chain periodically, and shake it in a bottle with dilute degreaser. That's likely to get out even more dirt. It's also easier to do than you think, although I can understand the hesitation.
I would inspect bearing wear by just turning the bearings in your hubs and your crank (with the chain off). If worn, you will feel noticeable roughness. Your mechanic is likely to do the same. It's not necessary to disassemble anything to check this. As the mechanic said, it is definitely possible that if you face the bike sideways and spray water at the drivetrain, you'll push some of it past the seals, and you might push some of the bearing grease outside of the bearing.
Most bearings are cartridge bearings, which actually aren't designed to be disassembled. If worn, you'd replace them wholesale. It's not possible to say exactly how long they should last, but in general, decent quality original bottom brackets and hubs should be OK after 3 years, unless it was 3 years of a lot of use and pressure washing. For interest, you can get the seals off a cartridge bearing. If dirt intruded past the seals and contaminated the grease, it would accelerate bearing wear. The issue is that many seals, especially the full contact ones, aren't designed to be removed, and may actually be damaged on removal. And if you replace the grease, you've now got clean grease, but you still had worn bearings, plus your seals may now not fully protect the bearing. Plus you night need to extract the bearing and then press it back in. So, this isn't typically done unless the manufacturer specifically asks you to, and only a few high-end ones do. Cup and cone hubs, which aren't that common these days, are a different story, you do need to service them, but it's not terribly hard.