Bingo! Actual tire dimensions - for a given size - vary widely from one brand/model to another. And they also vary depending on the wheel width they are mounted on.
A 295 tire is theoretically 295mm wide but they aren't really that accurate.
Good point.
A load carrying tire needs a wheel width that closely matches the tires tread width. This insures a flat running tread and more important is this insures the ideal position of the sidewall (verticle) for carrying a heavy load all day long at highway speeds.
I have no idea how wide the OP OEM wheels are but the 295/ AT3 Cooper shows a 9.43 tread width. A 9" wide wheel would be ideal for carrying heavy loads.