elwesso wrote:no love???
you know what happens when you venture out of Q land.....
anyway- i'm in a similar predicament: i don't want 245/45/18's because too tall, i'm leery of 245/40 due to harshness.
225/45 is just about the right diameter.... you can get new M500s in 225/45 with a 95w for $142/ea.
btw, the new ps2 in 245/40 can be had with a 97y rating.
for your original question, i would err on the high side of load rating--but then life is always about trades.