"You need to screw the die down a quarter of a turn at a time until the bolt closes reasonably."
Goodness. A quarter turn at a time? The full range of headspace, minimum to maximum, for bottle neck cartridges is usually around 6 thou. Turning any die down a single 1/4 turn potentially moves the shoulder almost 16 thou, nearly three times the full range. That's a MASSIVE die change, it's sure not a tweak. We need to adjust our dies to accomplish what we need, not follow some pre-set rule.
Ideas of reading and following sizing die set-up instructions to be sure to 'get it right' are hopeless; die makers can't possibly tell us how to accommidate the flex in every press ever made nor know the actual size of our chamber nor the degree of springback of our cases. Thus, written instuctions simply get us into the ball park, most of us will then need to do a few die tweaks with our own press to actually get it right for each chamber.
The most common cause of difficult chambering is failure to set the shoulders back enough. It's quite easy to fix and rarely requires any new dies. Getting a sizer adjusted right simply demands we 'turn and try' until the sized cases will fully chamber with no more than a touch of resistance. OR use one of the case 'headspace' measureing tools to set up the sizer. Either way, there is no need to set shoulders back any further than the longest fired length, they have expanded to fit the chamber and sprang back a thou or two already. And the shell holders made by Redding prevent excessive shoulder set back, they do NOT allow more set-back to provide easier chambering.
Given the normal case-by-case variations in brass springback, anyone striving to set a sizer for a certain length, plus or minus a thou, is going to quicky learn it can't be done; most shoulder springback will vary 2 or 3 thou. That's fine so long as the longest FL sized cases don't exceed the longest fired cases. Fergit any "averageing" in this, we have to chamber each round as it is, not by what the average shoulder length is.
Lubing inside a neck is to ease removal of the expander plug, not to prevent case stretch. It is rare for any dry expander to actually stretch a shoulder or neck, the soft/thin brass of the neck will easily give way to the expander long before the harder/thicker shoulder moves.