Wheel studs are causing problems!!!

How far do your standard studs protrude from the wheel hub or are they flush, or recessed?
Do yourself a favor and determine "actual thread engagement" for what you will use.
For example:
If the studs are flush with the wheel hub.
A lug with a .500" shank combined with a .100" washer provides approximately .400" thread engagement.
This is too little IMO.
You don't what to end up with this happening to you...................
http://www.forabodiesonly.com/mopar/showthread.php?t=268332&highlight=Wheel+fell

I just took a quick measurement with the rims, on with the old studs. The rims where the lug nuts go through is ~.812" thick and the studs stick out about ~.130"-140". So If I got the studs with a .750" shank, taking into account the .100" washer and the ~.130" protrusion from the rim I should have ~.780" thread engagement? Which should work...Or is my math wrong?

And jeez yea I think I want to try and avoid having that problem.