Except in rare cases where the torque gun at the factory didn't get the bolts on the rod tight. All the other times like people are discussing here the bolts loosen up because the rod has overheated Most of the time factory loose bolts will fail within the first 5 mowings. the wrist pin clip being in the sump is a little odd. Have seen it before but in those cases it lead to a cracked piston skirt and failed engine.