Depends what you are doing with the tyres.
I run 20” with an LT tyre for normal day to day / general touring.
I also have 18”steel Tuffants
- used to run these all the time on the D4 with some LT tyres…never had issues or “overheating” (that’s a new one!)
Changed 18” to Mud Tyres (mainly for VHC trips and more serious stuff)
Imho….yes the extra rubber is worth it…even for piece of mind
I switch my rims over as needed…it’s a small pita…but I find I get the best of both worlds out of the car then.
Good luck


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