It depends...... I have a set of 16x7 et11's off of a 5 series that you could not use with stock lugs. the studs are too short. These cars all used bolts that were pretty long.
I solved it by machining the back side of the hub, that essentially had a 13mm spacer cast into it, to make them effectively ET24. Now the Lug studs are long enough to work OK. They have about 1.5D thread engagement now.
By the way... Are you related to the Masons in Santa Paula?
DaveG