The washer will provide a little more clamping force and prevent or limit the damage of the nuts digging into the surface. By digging into the surface, the clamping pressure is uneven and will reduce the force the nut is imparting to the clamped part. How much and is it critical? I think the harder you wheel, the more critical it would become. For a DD, I would not sweat it. The way you work your rig, I think you would want to best joint possible.
Another wives tale about bolts, you do not need to have 3 threads protruding beyond the nut. There is little value in that. In a bolt, the first thread on the nut carries the most load with each subsequent thread carrying slightly less. Once the threads protrude from the top of the nut there is not much more the bolt itself can do. There still is that cone of influence that may reduce the possible deformation of the last thread however, there is not the same force being imparted on the last thread as the first.
Another item, when searching for high quality bolts, you are looking for bolts where the threads are pressed or formed into the shaft, not cut. It is much more precise. Years ago I designed the electrical system for a facility that manufactured fasteners for critical duty applications for the military, oil rigs, and railroads. Actually fascinating. They also invented a bolt that incorporated a dial indicator so you could visually very the torque on the bolts at a glance.
Forged Fastener & Bolt Manufacturer | Valley Forge & Bolt - https://www.vfbolts.com/
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Instructional Product Videos for VF Bolts - https://www.vfbolts.com/videos/