Unless things have improved over the last few years since I last wrenched at a bike shop the overwhelming majority of new bikes coming from 'the factory' (my more recent experiences having been with Trek, KHS, Bianchi, Marin, Jamis, Masi, Breezer, Colnago, Fuji, Mercier, Dawes, Motobecane, Windsor and Specialized) were not tuned at all. If non-cartridge bearings were fitted to the bike then they almost always were over torqued.