So it sounds like finger tight is the best method. The whole point for studs in the first place is to be able to torque down a nut from a relaxed state, so you only apply a vertical clamping stress. Bolts, when torqued down, also have a twisting force, which results in uneven loading because the tension isn't applied with the threads in a relaxed state. So you don't need to torque down a stud, you're relying on the strength of the threads anyways when torquing down a nut.
