PS: I would never use it between the pads or under the component since it then has a requirement that the silkscreen thickness has to be lower than the copper thickness, can you guarantee that?
I never had problem with it. At least I never had more than more than a few PPM soldering issue to track it to be the problem. SMDs have wraparound terminals, so they are elevated from the board.
Another question, maximum, nominal or least material footprints for your default stock library? This is a sweary one whatever you decide to do.
I use medium density as my default. And I never had to go lower than 0603. Reliability and serviceability was more important than size. This might change in my new job, we will see.
I just switched to no silkscreen at all for such components. It looks ugly and takes up precious space. For hand placing of parts you often anyway need to make a placement plan and a PNP machine doesn't care either.
I usually place silk and designator, even for the smaller components. To be honest I less and less see the reason for the designator. Unless of course I need to debug something. For a 0603, the designator is bigger than the part itself. It is not a big issue for a 4 layer board, but for 6 layers it was already tedious. I noticed that lots of time I just draw a rectangle around a nicely layed out section, with short traces and everything, then the silkscreen is placed on the "between blocks" section of the PCB.
I have seperate silkscreen shapes for capacitors, resistors and inductors. It makes it very easy to do a visual inspection of a board to see if none of the passives got mixed up. Yes that does happen and some assemblers place components by hand if it is a small production run so it helps the people to keep track of what they are doing. Note that in the example below the smallest components are 0402 so the component reference text isn't in the actual silkscreen.
That is kinda like what Rigol does. I even saw 90 degrees rotated components, when the silk wasnt obvious.
I use Mechanical 1 for center mark, Mechanical 13 for 3D body (with an optional outline), and Mechanical 15 for courtyard / outline.
IMHO Mechanical 1 is always board outline, 13 is 3D, 15 is "IPC land" with courtyard of the component and a cross on the component center.
Since I always place small parts, so the courtyard doesnt overlap (ie 1.5mm pad center for 0603) the courtyard might even be on the silk.