Hey, I just read the books, I never took the classes. ;-) I'm sure I have lots of gaps, so I will appreciate any insight you have. I learn more by being wrong than by being right.
I have several of Jan Roskam's books, but I don't care for his stability stuff. I've learned more from Perkins and Hage's "Airplane Performance Stability and Control."
As for the overbanking tendency, I believe that it always exists. At small bank angles, it's just very small and gets overshadowed by other forces, such as small variations in coordination. Even at small bank angles, however, you will notice a strong overbanking tendency as the airspeed gets lower (CL gets higher.) I see this when doing turning stalls. Takes a lot of aileron to keep the bank at only 30 degrees at the stall.
If you have the Perkins book, it gives a formula on page 452 for the required aileron deflection:
Aileron deflection = - Lift Coefficient * Bank Angle (in radians) * (Rolling Coefficient due to yawing velocity)/(4*mu*Rolling Coefficient due to aileron deflection).
BTW, I'm just going from memory here on what the stability coefficients mean; if I were being graded, I'd look them up. ;-)
The text also says "In the pefect turn, then, the aileron must
always [emphasis mine] be held against the turn to balance the rolling moment due to the yawing velocity, while the rudder must always be held into the turn to balance out the damping in yaw."
I don't think this book mentions it in this context, but the application of rudder produces another rolling moment not related to the yawing velocity. The effective lift of the vertical stabilizer will be above the longitudinal axis and will produce a rolling moment away from the turn. Once you have to put in a slight amount of opposite aileron, the adverse yaw will require less rudder into the turn, resulting in less rolling moment opposing the overbanking tendency resulting in more opposite aileron. This might mean that the increase in aileron deflection due to bank angle is non-linear. Just speculating here...better check my reasoning. ;-)