question on replacing bolts and nuts?

[dondb]

When replacing bolts and nuts with fresh paint, do people put a washer then lock washer? Or do they just replace like originally and let the lock washer dig into the paint? For instance i just primed and painted my frame and replacing trailing arm bushings. The lock washer goes right up against the bracket and will rip the paint and primer when tightened. Seems like that would create a new spot for rust to creep back in. Is there any reason not to put a washer to protect the new paint?? Just wondering what others have to say and contribute.