Plating won't be 50µm thick so adding extra +0.1 for plating already adds a bit more. It's still a good rule of thumb because it errs on the side of caution.
If your component lead is 1mm, a 1.1mm hole will give a tight fit, with a tiny bit of margin. It will fit.
HOWEVER, do note that component leads have tolerances as well - use the MAX value in the datasheet! If you measure it yourself, do note that your caliper may compress the lead a bit, giving a lower than actual reading. But a round lead in a round hole cannot compress when inserted to the hole.
A square or rectangular leg (think about pin headers, or TO-220 devices) is better, because it can compress a tiny bit when entering the hole, and the hole can stretch a bit as well, giving a snug fit. But for a round leg, you'd better add some extra margin. 1.3mm hole will indeed give you good margin if you have measured 1.0mm using a caliper.
Also note that with multi-pin components with rigid cases, you need to add the maximum cumulative position uncertainty of the leads as well. (Typically, the manufacturers make sure that the positioning error of the pins is non-cumulative, meaning that having a pitch of 2.54 +/ 0.01mm does NOT mean that the error between pins #1 and #100 could be 1mm.)