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I find the turn the wheel whilst tightening the nut until it gets difficult to turn and then back off to finger tight trick to work well if you are adjusting a pre-assembled and working bearing but for comfort's sake a quick check with the DTI is such a trivial additional step to make (if you happen to have the DTI of course).
If you are not careful new bearing seals not seated properly can give a false impression of bearing pre-load which you are more likely to detect with the DTI
So DTI is in my opinion safest and best
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