I go for the most rugged tire I can get for my 20" wheels that has the tread and performance characteristics I am looking for. In my case, Nokian Rotiiva AT Plus tires - E rated (10 ply) with a load rating of 126 or 3,748 pounds per tire. It makes no sense to me to skimp on the safety margin, especially on a SRW. Most of the E rated tires I have looked at have a 123 load rating. THat was too close to the margin for me. so I looked for the 126 load rating as an extra cushion of safety. Many on this forum would tell me I am already skimping on safety by not having a DRW but this truck is also a daily driver and fitting into parking spaces at work and elsewhere would be more of an issue than I want to deal with.