RustyRatRod lives more dangerous than the rest of us. I always back off to the next slot after finger-tight (first tightening w/ wrench & spinning). One guy here pushed it slightly too tight and his bearings smoked in a few miles. I once had the bearings changed in my 69 Dart (9" drum) during a cross-country trip and one outer failed after 300 miles (rollers fell out, race spun in hub ruining it, center welded to spindle). The other outer spun in the hub a few years later. I closely watched the mechanic install the bearings, and had done so myself before. I never figured what he did wrong. One slot too tight can make all the difference.