Lugnuts often loosen over the first 50 miles of driving or so, especially aftermarket or chrome wheels. Its important to re tighten after the first 25-50 miles. Older steel wheels can be bad too if the lugs have ever been over tightened, the holes will deform and the lug ntus wont stay tight. Generally there are only 2 things that cause a stud to break, cross theading of a lugnut or driving with lugnuts not properly tightened will create a weak spot and they will break when they are worked on. working in the shop I saw a broken stud every week. All but one fell into those two catagories.
As billy said they aren't hard to replace but you do need to remove the rotor so the fronts the bearings have to come apart too.. You will be fine on 5 for a while, but 6 is obviously better