drilling out lugs from hub, disc brake upgrade

And when the guy at the tire shop pulls your wheel off and the stud falls into the drum,cuz somebody loc-tited it in with a whole tube of stud and bearing mount, what happens next? That's right you get to pay $80 bucks an hour for to have it all taken apart and the wayward stud retrieved, lol.
Or if it spins, then what? Yeah, you guessed; this is even worse. Mo-money