Washers do more than spread load
The several distinct jobs washers are asked to perform.
Washers do more than spread load because a single flat ring of metal placed under a bolt head or nut can simultaneously protect a soft surface from being crushed, provide a smoother, more consistent bearing face for the fastener to turn against, and stop two dissimilar metals from touching each other directly, and a given washer is often chosen for one of those jobs specifically rather than for its most obvious one.
A coaster under a hot mug
A coaster under a hot mug on a wooden table does several jobs at once in a way that makes a washer's layered purpose easy to picture. It spreads the mug's weight over a wider patch of the table, it protects the finish from being scratched by the mug's base, it gives the mug a flatter, steadier surface to sit on than the table's grain might, and it keeps the ring of condensation off the wood entirely. Nobody buying a set of coasters thinks of them as doing four separate jobs, yet all four are happening at once, just as a washer's separate benefits all happen at once under a single bolt head while most people credit it only with the first.
Spreading the clamp
Spreading a bolt's clamping force over a wider area is the job most people associate with a washer, and it matters. A bolt's full clamping force concentrated onto the small ring under a bare head or nut can crush, dent or crack a softer surface, such as aluminium, plastic or timber, that a wider bearing area would have carried without harm. Over time a crushed surface also lets the bolt lose some of its stretch, so the damage shows up later as a loosening joint as well as a dented face.
A predictable face to turn against
The second job happens during tightening. A washer gives the head or nut a flat, consistent surface to rotate against, in place of whatever paint, texture or unevenness the underlying part happens to have, and that matters because of where the tightening effort goes. Of the torque applied to a typical bolt, only around a tenth ends up stretching it. Roughly half is spent overcoming friction under the head or nut and most of the rest overcoming friction in the threads.
With so little of the effort doing useful work, a modest change in the friction under the head moves the resulting clamping force a long way. A rough or painted face that grabs harder than expected can leave the bolt well short of its intended stretch while the torque wrench clicks as normal. A hardened washer under a high-strength bolt keeps that friction predictable, so the wrench reading corresponds far more reliably to the bolt's real stretch, which is what allows such bolts to be tightened confidently to a high, consistent preload.
Keeping two metals apart
A washer made from a suitable material can also do a third job that has nothing to do with load or friction: separating two dissimilar metals that would otherwise sit in direct contact and set up galvanic corrosion wherever moisture reaches the joint. A steel bolt clamping an aluminium panel is the everyday case, and an insulating or compatible washer between them breaks the electrical path the corrosion depends on. In coaster terms this is the job of keeping the condensation off the wood, and like that job it is invisible until it is skipped, when the aluminium around the bolt slowly turns to white powder while the steel beside it looks untouched.
Choosing a washer for its job
Because a washer can be doing several jobs at once, choosing one means asking which of them matters most for this joint. A joint clamping a soft or easily marked material needs a washer chosen mainly for its bearing area, one where torque accuracy matters needs a hard, flat, consistent bearing face, and one mixing two dissimilar metals needs a washer chosen specifically to keep them apart. A washer that suits one of those needs may be quite wrong for another, even though every washer on the shelf looks as if it does more or less the same simple thing.
The wrong choice can backfire. A washer picked purely for its area but made from a metal that reacts badly with the parts it touches can introduce the very corrosion a correctly chosen one would have prevented. One that is too thin or too soft for the load can itself crush or dish under the bolt's clamping force, turning into the soft, settling surface it was fitted to prevent. The choice is a small material-and-geometry decision that has to be made afresh for each joint's combination of surfaces, metals and required preload.
That is why a careful fastener specification calls out a washer by its exact material and hardness instead of leaving it as a generic item on a drawing. Two washers of the same diameter and thickness can behave very differently when one is a soft, uncoated mild steel ring and the other a hardened, plated washer made to hold its flatness and its friction under a high-preload bolt. Treating them as interchangeable is a small oversight that can undermine a joint's clamping force without ever showing up as an obviously wrong part on the shelf.