I don't ever remember seeing a single action that gets used a lot without a rub line to some extent. Long as they don't gall and the line is only a rub line they will work well with the added benefit of slowing cylinder inertia into lock up.
Rugers virtually all start life with an early bolt drop knowing full well they will eventially be that way any way.
Some common reasons are bolt finger/leg and cam wear over time and use . The only out of time that hurts is if the hand is to long and pushes the cylinder before the bolt is clear of the notch. This peens out the top back side of the cylinder notch. This is why the rub line often starts/ appears just out of lock up.
All of your "common reasons" bolt arm wear, hammer cam wear, ( I'll throw in one for ya) and hand wear/ spring weakening . . . all come under the heading of "ill timing'. If one knows and understands "correct" timing, any "new" mark on the cylinder is a sign of a problem.
Likewise, if a new revolver is treated to a really good tuning and cared for, there is no reason for a turn line barring part failure.
All this "wear" wouldn't be going on if proper spring pressures were used. For example:
Colt calls for 3-4 lbs max for the bolt and I'm not aware of Ruger's but it's rather light. I checked my Rugers and they were all less than 2lbs. (factory)
My Pietta Mod. P copy has just under 3 lbs ( my spring)
My Remington '58 is just over 1 lb.
I checked some seven 2nd Gen Colt's I have on hand ( customer) 3 -60's, 2 - 51's and 2 Dragoons. They range from 8 1/2 lbs to 10 lbs. This is typical '70's reproduction type numbers . . . wonder why there are "gall" lines ( more like trenches) in some of the 70's /80's/ 90's revolvers? Needless to say these 2nd Gens are pristine ( never shot yet) and all will have bolt tensions in the 2 lb range!
So, if you are relying on bolt spring tension to be the "brakes" for cyl lockup, why would you call for 3 lbs and less ( depending on maker) instead of the 8lb Italian?
Any of the revolvers mentioned above or any other factory SA without a hand spring will display throw-by.
The common denominator - hand spring.
Mike