Dave,
The "Official" XJ specs are to set the wheel bearings with .002"-.006" hub end play. They actually want you to set up a dial indicator to measure this... Unless you have aluminum hubs, I tend toward the lower figure (or to use my torquing technique
). Just make sure that on the subsequent cotter hole intersection there is some clearance. Better to have high brake pedal than bearings that last 20 years.