Best procedure lugs into hub/rotor

The proper torque spec is more than enough to seat the stud.
Yes it is and if it's not, something's wrong. Now, that said, the way I do it IF I have the hubs, rotors or axles out where I can get it the back of the studs is, I take an air chisel punch and pop them in from the back. Just a few pops with an air chisel and they are seated. The technically "correct" way is to drive them in from the back, but who wants to do that if ALL you need is to replace the studs?