new discs pads and bearings

[black86]

ok i shud be fitting these over the weekend......i have haynes manual but dnt understand one part.....after putting new disc, bearings on you tighten the hub nut to certain torque ok.....but then it says loosen the bolt until you can turn it by hand then leave it???? hmmmmmm that scares me....wont they be 2 much play??? it will seem loose even with the collet pin in.....shudnt i tighten it more tighter than it says??....or wud that put 2 much stress on bearings......help