I think lots of top main shells are often grooved, stock. With a single feed oil to the rod journal that would provide rod oil approximately when it was at BDC +/- 90 degrees. On a generic 4 stroke On the power stroke the "bottom" of the rod oil clearance would be open. On the exhaust stroke decelerating the piston the "bottom" would also be open.
On cranks from badly maintained engines the rod journal wear is primarily on the "underside" of the journal, which is where the rod would be pushing at BDC. My theory is the hydrodynamic oil film starts pretty thick around 90 degrees BTDC when the oil is new and cool, but the film getting thinner and thinner as oil is squeezed out, (and sheared oil warming and getting squeezed out even more)until the oil film is thinner than the abrasive chunks, and if the oil level is too low, then the contact becomes metal to metal, taking the inserts down into the copper without really failing.