LeeEccles,
One additional comment about stress concentration. You mentioned a value of 3 for the threads. In my recent experience, I have found that to be a good value when using rolled threads. I have found many references that use values from 4 to as high as 12 for cut or ground threads.
Also, if ordering a standard rolled thread bolt made from a heat treatable alloy, it will usually come in the rolled-then-heat-treated condition, as it is easier to roll the threads when the material is soft. However, this eliminates the residual compressive stress at the thread roots that is one of the great benefits of thread rolling. To ensure you don't loose this benefit, request heat-treated-then-rolled bolts from the supplier/manufacturer.
Andy