If the clearance is minimal there is good conformability between the bearing and crankshaft journal. This conformability is a result of material that is worn in some parts of the bearing in the order of magnitude of μms. This process leads to less local stress on the sliding layer, a better absorption of shock loads and less wear.
Side note: I do know Andre is wrong on ZDDP in engine oils. Many modern oil standards have imposed limits on phosphorus and/or other chemical properties (e.g. ash formation) that force a reduction of ZDDP content, but it hasn't been eliminated entirely from car engine oils. Also, modern forms of ZDDP are more effective and there are other anti-wear chemistries available, so it's not necessarily a given that modern oils have poor anti-wear performance.
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