"but also our experience says that ALL tires shouldn't be loaded to more than 85% of their rated capacity."
I have NEVER had a tire problem running tires at MAX if needed or 5psi over what the load dictates. But my inflations are based on weight every time.
I did have a GY "H" loose some of it's center tread but that had ZERO to do with inflation. Yes they did replace the tire.
Some get freaked out that I run full RAWR of 9,750# on my DRW RAM, but that is what it's rated for. These "RATINGS" already have a safety margin built in!!!
Run quality tires and they will hold up to do the job, POS is POS.