The problem with anti-sieze on the studs is that it lowers the coefficient of friction between the stud and the fastening point. If you are mindful of this and don't apply it to both ends of the stud, just the portion that goes into the block, no problem. You can apply it to both ends if you know the reduction in friction and alter the final torque value accordingly.
Yes, motor oil, 3 in 1 oil, even mineral spirits or water will change the coefficient from a truly dry fastener. What the manufacturer intended when he provided the torque numbers, I don't really know, but my guess would be a fastener with, at least, a light coating of lubrication (to prevent excessive rust), but dry to the touch.
I use anti-sieze any time I am connecting dis-similar metals, including stainless into steel and steel into aluminum. I will also use it with similar metals if they are in a corrosive environment, like when the fasteners will get wet. I probably wouldn't use it for the studs into the block, not because it's bad, but because anti-sieze is messy and I don't think the mess is necessary in that case.