Don't judge the stiffness of the bearings by how they turn in hand. Once you put them in the mount you probably won't notice it.
An oil will definitely loosen things up and if the seals are still good, they will hold the oil in well. But you are a bit more likely to have to do more maintenance on them down the line, particularly if the seals are not in good shape. Like I said before, the only bearings I have replaced have been ones that have been played with or damaged. That includes bearings from the very easily EQ6/Atlas mounts. As long as the seals are in tact, the stock grease works just fine. Something to remember is that the rubber seals with cause some drag and as a result, these bearings do not spin freely. Replacement bearings will be even more stiff, but once they are in the mount it is not noticeable (the axis may be stiff but it is for other reasons).
The Losmandy shaft needle roller bearings are similar to the taper bearings but have much thinner rollers and become clogged up much easier. The taper bearings do not need to be packed. Think about it as needing enough grease to coat the rollers and the race plus a little bit more. These bearings are exposed and can be contaminated because of that, but a more critical problem is corrosion. A grease like Superlube helps protect the bearing from corrosion.
The rule I use for the worm bearings preload is that the worm should spin a few turns but that is about it. Tighter and you risk damage and looser you have end play. But the bearings used for the worm do not need to spin freely at all as long as they are new and turn smoothly. Spinning is not the point, preload is. If your worm doesn't spin a little more, then my concern would be the preload, not the bearings. Again, if they are sealed (not shielded), then don't open them up to add oil. It's not necessary and you run the risk of damaging the seal on these much smaller bearings.