I change snow tires and rotate my own tires on 4 vehicles. You can get a feel for the correct torque after a while, but I still check them with a torque wrench. If you torque the wheels correctly you'll minimize caliper warping.
If you tighten lug bolts until you can't tighten them anymore, or you tighten them without a torque wrench you risk more damage that good. You can break studs but also if all 5 lugs are at different torques, that will actually seat your rotor incorrectly and it will eventually warp your rotor. All it takes is a couple thousands of an inch to wollow the rotor. I go to 95lbs
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