[Derek]

There should be a spacer between the bearings and if this in right and fits properly then no matter how much torque you put on the wheel nuts the bearings should not be loaded.
I changed the bearings on my son's 125 Ho***a a few weeks ago and found that when I put the spacer in from the opposite side if prevented one of the bearings from seating properly and when I tightened the axle nuts it did load the bearings. I had to knock one of them out, reverse the spacer and put it back together again.