In theory, a properly designed stud installation will have a tighter interference fit for the threads on the end that goes in the threaded hole, and a looser fit on the threads that take the nut. If all the threads are clean, that helps keep the stud in place when removing the nut. The trouble with bikes is that the nut frequently gets locked on the stud with corrosion, and then the stud comes out when trying to remove the nut. Also, with studs in aluminum castings, the fit loosens up after the stud is removed and replaced a couple times. Loctite or other adhesive bonding when installing the stud helps a lot, but the stud will still sometimes come out with the nut if there is corrosion. In a lot of industrial applications the use of an adhesive bond on the stud is normal practice.
I'm not so sure about the finger tight part. If you have the tighter fit for studs that aren't intended to be removed often, you can't screw in the studs without a wrench or stud tool unless you have pretty incredible finger strength. The usual warning from the stud manufacturers is to not over-tighten the studs against the bottom of the threaded hole, because that pre-loads the threads, defeating some of the holding force when the nuts are torqued. I'm not sure how significant that is in most of our applications. I think most of the stud failures in our Commandos are a result of over-tightening by owners, maybe compounded by the designers' choice of fine threads to hold the studs in aluminum castings.
Ken