The top Allen bolt only does it's job (setting your bearing load) when the stem bolts are loose. If they're tight (the stem bolts on the side) the top bolt can do nothing. Fact is, you don't really need that top bolt and cap. It's not a bad thing to have, but I used to faintly tighten the stem bolts and tap the stem to taste before tightening up all the way, I could then gaze through my steer tube at my tread passing by as I rode along (not recommended George, watch out for that tree btw) -Kai
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