This has been my line of thought on the bolt. My engine is at 190,000km and being a 2003 model, I haven't bothered checking the bolt. I'll do it if I ever have to take the sump off for something else.
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Mine has done 280k and it lost oil presure last week, undid the sump and bolt is about to fall out !!
Engine Expensive........ Bolt $2.00 and a couple of hours to check ! Sounds like good insurance to me!
I must have been living under a rock, as I had not read about the problem until I lost Oil pressure!
I did my 2001 Td5 at 100k the bolt was tight but did not have Loctite.
There are three points
1/ Do I check the bolt or not if you need to ask the question check it, for your own sanity, Whether it is tight with or with out Loctite or loose is irreverent. Checking the sump of a ten yr old vehicle was enough for me.
2/ Use a good quality torque wrench tighten a bolt into a nut in a vice get a feel for it
3/ Trust the torque wrench setting the arm is usually two or three times the length of a std ratchet it does not feel tight.
I use a torque wrench to stop me over tightening bolts if you increase the spec' or tighten beyond the click why use the torque wrench?
If you think you over stressed the bolt then replace it - It's your head and sanity.
If you get someone else tell you it is Ok and it fails, having someone else to blame doesn't pay the bill