There are many things that can cause warped rotors. I've personally never
had a warped rotor due to overtorquing the lugs, nor do I know of anyone
where this was the case.
Many people don't realize that rotors need to be broken in. New Hondas will
have somewhat of a soapy feel to the brakes when new, but will gradually
break-in as material from the pads transfer to the rotor, and the heat
generated from the braking will actually harden the surface of the rotors.
I try to keep my braking reasonable and conservative during break-in...no
stabbing of the pedal, no aggressive acceleration and stopping ..etc. After
break-in, you get a good linear feel to the friction of the brakes.

Another reason the rotors get warped is often due to washing your car soon
after the brakes are hot. I know a two honda owners who've made this
mistakes.

Of course, getting the brakes red hot (like in race conditions), will surely
warp the stock rotors.

Just my 2 cents...

Tom