Richard,
You are so right about going back and checking everything! I changed the brakes on a friend's Jeep Cherokee once and missed doing the final tightening on one of the wheels. I was amazed with two things...one, when she told me one of the wheels came off while she was driving down the road, and two, that she said the Jeep hardly moved at all when the wheel came off! I was totally floored that I could have gotten her killed, and now I don't work on other people's cars anymore. And I always go back and check EVERYTHING two or three times now.
And the only reason to remove the anchor bolts is to remove the anchor plate, which is only necessary if you want to take the rotor off. Which is not what the original question was about, but was what swshawaii was referring to.