Roiller bearings need very little preload.
Depends on the application. Timken used to (maybe still do ?) make a taper roller bearing called a Hydra-rib that allowed the preload to be changed "on the fly" using hydraulic pressure. De Vleig borers used them – in low range (where heavy loads could be expected) the pressure was increased to run a higher preload. In high range a lower pressure was used so bearing heating was reduced at higher speeds & higher stiffness was not required.
You should only fill the bearings about 40% with grease.
Doesn't matter as much with taper rollers. Unlike ball bearings, which "churn" excess grease within the bearing causing overheating, taper rollers "pump" from one side to the other so the grease gets expelled in normal operation. More of an issue with taper rollers is keeping them greased – hence the usual provison of some form of re-greasing arrangement on TR applications where many BB applications are greased-for-life.
I would expect over tight bearings to start to get warm quite quickly, getting uncomfortably hot at higher speeds after longer running. Some MTBs use the headstock temperature after running at a particular speed for a particular time as the method of setting optimum pre-load – too cool, increase – too warm, decrease.
Nigel B