I always try and get the inside stud backer flush with the track or as close as I can. This not only makes the track quieter as the studs roll past the idlers, but any raised surface of the stud tears the crap out of idler wheels, especially Ski-doo and Yamaha idlers with only the thin rubber edge on an aluminum idler wheel.
I have never had a problem with tightening them down and tearing the track. A more common prob with tearing studs out is square backers that are placed with the square corners pointing up or down track. This gives a sharp corner that is more likely to cause a tear out.
Back in my younger days one of the dealerships I worked at would only install round backers for just this reason. I typically run square on all my sleds and have almost no problem with them as long as they are placed correctly.