With the small business I had weighing rv's for over 8 years. I saw many trailers torn to heck with the after effect of a failed tire. I've seen where the floor above the tire was blown out and the refrigerator fell through. When a tire blows out, it is like a 1/4 stick of dynamite going off. The wheel well fender, or side panel can easily be destroyed, but trying to save the area directly above the tire can be easily rectified by the installation of a metal panel. When the heating & a/c guys cut and bent the metal for me they had various thicknesses available and I took the thickest. It is not so heavy to change anything but I made it long, so no matter how big a piece of tire tread should ever be thrown off it cannot catch the edge of the metal panel I installed. There is no real strength in the flooring material above the tires. I agree that starting out with a quality tire can minimize the chances of a serious tire failure, but not totally remove all chances. Being proactive is always a good thing. This is minimal cost and not a lot of work.