This thread is kinda scary. If there is one fastener to torque properly it would be the wheel lugs (at least for the basic user-serviceable stuff). An improperly torqued fastener is already half broken. This is not a speed limit or a nanny-state regulation, it is metallurgy. Proper torque is determined by the bolt, so those with 2 piece bolts or studs need to check with those manufacturers. Too loose and the bolt flexes repeatedly until it fatigues and cracks; too tight and it is stretched past elastic and looses strength, then it fatigues and cracks.
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