Never had a stud come lose and never broke one by overtightening. I don’t even use a torque wrench, i just use my foot to press on the wrench until it feels tight enough, but not stuck - i guess years of experience teach you where the sweet spot is. On the contrary, i am having trouble getting the studs off after occasionally taking the car to a service and they put the wheels on with a pneumatic gun, that’s why i avoid these guys as much as possible and change my own wheels.

I agree your theory is correct, but in practice things proved out to be easier and good enough for practical purposes.