I'm not sure I understand your questions about the pre-load washer.
Imagine it like this. You have a rigid housing on the left and a rigid housing on the right. An ordinary conrad bearing inserts into each of them and a shaft goes through both bores. The fits called for in a bearing catalog will call for some type of locational/transitional fit. It will have little or no radial play, but not have enough friction to be a force-fit and retain the shaft or bearings axially.
So neither the shaft nor the bearings are technically retained at this point.
By including a shoulder and threads on the ends of the shaft, the inner races can be solidly secured to it.
The housing bore can be designed with a counterbore or a snap ring for the outer race to bear against, but it is still free in the other direction. To secure it you could design a bearing cap that bolts to the housing and has a protruding ring that clamps the outer race against the counterbore ledge, like a packing gland. Now the position of the shaft relative to the housing is determined, neglecting the small axial play in the bearing itself.
For the other outer race, you could simply fit it into a clear bore with no retaining at all. It's already secured to the shaft, which is already fixed at the other end, so it's not going anywhere. This would allow thermal expansion, since it is free to move in the bore. If you tried to rigidly locate it you would probably have problems, since if temperature ever caused the shaft to expand or contract until the axial play of the bearing is used up you could potentially have tremendous thrust forces that are unnecessary.
If this tiny amount of play is objectionable in your design, that's when the preload spring comes in. You would design the housing with a counterbore or snap ring, leaving enough room for maximum expansion, then put a wave-washer in between to push the outer race away from the flange until the play is taken up. This always justifies the shaft in that direction, regardless of temperature or manufacturing tolerances.
Don
Kansas City