Questions on making a minimal/custom Arduino circuit @ 3.3v/8Mhz?

hmm.. I have read (several times I thought) about problem with buring bootloader for 3.3v @ 8Mhz on factory/blank chips? as they are set to run at 16Mhz external clock? so you need to have caps/crystal connected "FIRST".. then burn the 3.3v/8Mhz bootloader of choice?

The default factory fuse settings are to use internal oscillator.