I like the hose to only be hand tightened to the second stage for my tech rigs. If I am careless and start the dive with the hose backed off, it might very well start leaking during the dive. If I simply tighten the hose down at that point, it cuts the o-ring in a manner similar to the pictures you posted. I have learned to turn off the tank, depressurize the system, fully back off the hose and then re-attach. You won't cut the o-ring that way and ruin your dive. Since I dive side mount a lot, this is not a big issue for me.
On OW regulators, taking care of the situation is much harder since you only have one tank. Consequently, I snug the hose down with a wrench to keep it from ever backing off. Don't overdo it and use two wrenches in order to keep from cracking a plastic bodied reg. You don't need much pressure to keep it from backing off: just a snug.