main/rod bearing question

The wording of your question is strange to me. "claim to have" you say. Bearings don't "claim" they have specified sizes and that is what they ARE to the limits of machining tolerance, unless someone made a dreadful mistake

"Street use" covers a lot of ground. If "Street use" is cruising, then I would run factory tolerance, refer to shop manual.

If "street use" is "wannabe" outlaw street racing then you want something else

Something in between would be say, the loose limits of factory out to + 1 or 2

With that in mind, a "standard" crank that has been polished WILL have a tiny amount of clearance added from that wear and polish.