Hands can get damaged when removing them, although in most cases it's not a common problem really. On chronographs in particular, the hands have to be installed tightly in order to not have the move out of position when the chronograph is reset. There is a greater risk of a chronograph hand failing generally than a non-chronograph hand, but it can vary a lot depending on the watch, the age and condition of the hands, and even sometimes the practices of the watch manufacturer. If you tap you chronograph hand on with a hammer (as this particular manufacturer likes to do) then they are going to be more likely to fail:
I know that if there is going to be a very tight hand on any manual wind Speedmaster I'm removing the hands from, it's likely to be the minute recorder hand. For whatever reason the fit on this hand is tighter than the other hands. If it's a shiny metal hand, I know the chances of the rivet failing as I remove is greater than if it's a white painted hand...
Vintage hands have fewer issues with being too tight, because often they have been removed and reset several times, and often it's the opposite problem. They are stretched out and too loose, so they either go down too far on the post, or won't stay located after installation. In some instances the pipe can be tightened, or if that can't be done say if the pipe is cracked, it can be replaced if it's worth doing so.
The issue of lume is less of a problem IMO - lume can either be stabilized if there is enough to do so, or it can be removed, or replaced.
So I think in many cases people are just covering themselves in case something happens...
Cheers, Al
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