When replacing tyres it is important to ensure the new tyres, even if a different size, have the same or a higher load rating. It is normal for the combined load of the 4 tyres to exceed the maximum weight of the vehicle by about 20 to 25% to allow for uneven load distribution or excessive loads when cornering or braking.
Remember a load rating is about the "Service" load rating, ie the load the tyre could normally be expected to support. As others have said the axle that supports the motor is going to have the have the lions share of the load, add to that the effect of kinetic energy when braking and turning and surely the load will be far higher. Im sure kinetic energy increases with the square of the speed, so at twice the speed you have four times as much kinetic energy to loose, also im fairly sure kinetic energy can be in the form of rotation - thats what flywheels use, so even the spinning of your wheels themselves has energy your tyres are going to have to deal with. I have 97 load rated tyres on my 1.9 diesel saab, I have had rim damage from a pothole with 93 rated tyres and am hoping the stronger and stiffer sidewall on the 97's will offer more protection. I didnt know they required more pressure but had found out myself they felt much better around 38-40 psi anyway so thats what i use. I know some of this applies to the traction rating as much as it does to the load but I do try and buy the best tyres I can - currently summer tyres are conti sport 3's on a 97W rating. Not crashed much recently so must be ok.
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