Yes, the limb bolts should only ever be finger snug, like 1/8 turn past when you feel them start to tighten down max.
Also, the "crack" in the riser may very well be a what is called a 'check' in the wood, perhaps due to inadequate seasoning, or changes in the moisture content post-finishing, certain woods are more prone to it than others like bocote, cocobolo, rosewood, and ebony. However this does not apply if the riser is Actionwood or similar synthetic.
I know which bowyer you're talking about, as I checked your prior posts, and they have a stellar reputation for customer service and good quality, so hopefully that continues and they can help you.