I could be wrong on the insurance point, but recall the never ending ST vs LT debate for years on the forums. All sorts of stories, some might be embellished.

I do recommend the 8 ply but you can't run full psi unless your rims can handle and your valve stem. Stapmed on trailer rims is the max rated psi. And a regular passenger car valve stem is 50 psi. I use clamp in valve stems rated for 65 psi.

And it does appear the Goodyear Endurance is made in USA which is nice. Just hope they have a better track record. I will stick with the proven maxxis for now.