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I would never use a torque wrench without checking the calibration like Gordy M said. Luckily I have access to the lab at the Nuclear plant where I work which has a special rig for doing this. In testing one Craftsman wrench years ago it was off by 40% right out of the box. Would have over torqued.
If you need help in doing this, PM me and I can help explain the DIY methods.
My dad has several Snap On click type torque wrenches, but they all are at least 20years old. Every few years he has them recalibirated. Mainly use the the 1/4inch and the 3/8's, but some big jobs required the 3/4.
I agree if the wrench is 0-100 don't use it at 3 or 97, thats towards the end of the range and not as accurate.
Hard to believe nobody mentioned it. I bought the one from a forum vendor, Brownline. I couldn't be happier. I just completed front and rear cradle swaps, switched to coilovers, radiator support swap, ... Pretty big project that was a joy with the Brownline. It was less than $100 shipped. I'm sure it doesn't compare to a Snap-On or another professional quality tool, but it's perfect for a home mechanic. What I like about it is it gives an audible beep and visual LEDs that indicate when you hit your target torque. Then displays the exact torque applied. Settings for ft/lbs, Nm, in/lbs.
After getting this thing it was an eye opener for me at how much I used to torque my lug nuts to!! I would crank them down like I've always done. Then using the torque wrench.... I must have been seriously over torquing them!!