If there are two nuts under the top clamp you don't REALLY need the lock tab washer - you just set the steering head bearing preload and hold the lower nut and tighten the upper nut against it and it's locked. Then the top clamp is tightened against the top nut using the nut above the clamp.
'Drifting in' is a term for using a hammer and a intermediate tools such as a punch to move an item into place with steady repeated blows. You don't want to touch the rollers or the cage with a blow though - only the race. If you hit the cage or rollers you'll probably need to replace the bearing.
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