Under normal driving conditions the loads on fasteners is not an issue. It's when we have impact and acceleration loads that things will fail if they are undersized. Of course, if there is a large impact, i.e., very sudden stop against an immoveable object, stuff, including us, will likely break. So disregarding that, it's things like pot holes, curbs, etc that could cause undersized bolts to fail. In some areas, suspension mounts, it is not the shear nor tensile strength that is the issue; it is clamping force. A 3/8" bolt might be strong enough, but it will not provide sufficient clamping force to keep the parts from moving over time. But, as PotvinGuy proclaims, drive until it breaks. Just hope it's not the one that might cause a serious wreck.