Torque keeps you from not only over torquing the screws but also giving you consistency if you remove the stock etc. Every screw on my rifles from the trigger guard to the scope caps has a torque value. Always recommended by manufacturer or what's worked best for me. Some stocks are picky and shoot best with different torques at different screws etc.
I've never had one loosen up on anything using torque wrench and blue locktite where necessary. I've also never stripped a screw (knock on wood) since using the wrench. The method you use will probably be just fine. But for consistency and fear of FUBARing something I use the wrench. To each there own
I started using a torque wrench for the simple fact that I would strip screws out or crush scope tubes trying to get the most grip I could so my rifle wouldn't loosen up and fail me at a bad time. After using the wrench I realized I was going way to much on everything
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