Well, I got some experience!!!
Last night I installed a 3/32" round-over bit in my brand new HF trim router. I was careful to tighten the bit well because I've heard stories. I set the depth again being careful to tighten well because I've heard even more stories. I then proceeded to round over the edges on a 2' long piece of 1X3 pine. I finished one side and was beginning on the second side when the router started vibrating excessively. So much so that I had a hard time hanging on to it. I was able to shut it off and then saw that the router had twisted in the base housing, shearing off teeth in the height adjustment knob and scaring up the body in several places. Then the bit fell out.
The router is really a piece of junk, which, when you think about it, should be no surprise at the $20 price tag. It's going back to HF for a refund. Anyway, if you had the same idea I had about getting this router, I advise strongly against it.
Now I'm back to deciding between the Bosch and the Ridgid, hopefully in time to get a letter off to Santa.