[rusnak]

Yes, if the thrust washer is too loose, then you can introduce enough wobble to make the rotor rub against the brake pad.

The problem may also be worn bushing races. Did the PO change the races at the same time as the bearings? When the inner bearings go back on to the spindle, is the fit tight indicating that the spindle is within spec?

I'd think about changing the bearings, races, and mic the spindles relative to the inner bearings if the problem doesn't go away with an adjustment. Also make sure the races are seated all the way into the hub, and are square to the rotors, not at an angle.

Do you have a way to check the rotors for runout? Excessive runout can cause a hanging caliper, and may be made worse by loose bearings. Also, old caliper o-rings or a bad or old and swollen brake hose can cause the brake piston to not retract fully when you let off the brake pedal.