In addition, very high HP or very high rpms can potentially squeeze out the oil film and result in bearing journal contact.
In general though, engine bearing coatings are more of an added safety factor than for significant efficiency increases. There's an article floating around on the net of a Nascar team that had their bearings coated by Swaintech. Lost oil pressure during a race and the driver kept going for another few laps till a caution was called and he went into the pits, they rectified the problem and he managed to finish the race.
I had my main and rod bearings coated for this very reason. I'm using bi-metal bearings which are superior to tri-metal bearings in embedding any foreign material in the oil and have superior high temperature resistance (the lead babbitt top layer of tri-metals can be completely removed at lower heat than the silicon aluminum in the bi-metals), but they have poorer friction characteristics than the lead babbitt on tri-metal bearings.
These means that in the event of oil pressure loss, the bi-metal bearings could potentially weld to the journals much easier, so I had the bearings coated. The engine is a twin turbo 6G72 in a 3000GT VR4 that I run on tracks in the summer. Under very high sustained cornering loads on R-compound tires (the sump design is especially susceptible to long left-handers), it's possible to pull oil away from the pickup and potentially have the oilpump suck air, resulting in a loss of oil pressure. This is one of the reasons most dedicated race cars use a drysump system, but the cost to modify the car to install one has thus far been prohibitive. So far, the coated bearings + Accusump + larger capacity oilpan have worked.
Max