LOL! As said in another post a few days ago opinions are like arse holes everyone has one.
Best do your own thing that you are happy with, cos one person will say one thing and another something completely opposite.
Just keep a check on the bolts, if one did come loose it is unlikely to come out and lock the rear wheel, they are spinning at an incredible rate of revolutions and the fists bolt that touches the caliper will make such a din you will pull over to see what it is.
(Be like the old clothes peg and piece of plastic you had on your pushbike you had flicking against you spokes as a kid)
My guess would be that the bolt would only come undone a few turns before it touched the caliper and I'm sure all 5 or is it 6 will not all come loose at the same time.
Anyway good luck with whatever you decide to do Darrsi, your the man who makes the final decision, don't take any notice of anything I say as I am a suicide pilot.
I shredded my rear caliper pad pin using copper grease with a torque wrench, even though it was set at something daft like 10Nm.
Copper grease really fooks up torque readings, i've posted on here before about it, but the findings were that if engine oil is used instead then torque settings remain accurate.
I don't know anyone who's ever had a disc bolt come loose if they have been torqued correctly, i just can't see it happening, and as my bike's a commuter plus the fact i'm more pedantic than most at checking things then i'm very confident i would never have an issue.
Add to that i'm lucky if i can hit 40mph going to and from work then i reckon i really won't have any grief.
If i was racing or generally ride like a maniac then i would reassess, but FOR ME that's simply not a problem.
I'll dab a spot of Loctite on and be done with it, but from experience those bolts are a bastard to undo with brute force, so thinking that one may work itself loose just doesn't seem like reality to me.
I admit prevention is better than cure but in this case i just don't see a problem.
If shit happens i'll be the first to shout about it, but there is that chance i will be the first on here!