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I'm in Georgia with a garage, so I figure 22" on normal days, and a quick swap to 19's whenever I want to take a vacation.
For what it's worth, I have the 22's and while they look great, I'm looking at getting a smaller set of rims, probably the 19s, for travel.
I'm no lawyer, but I'm pretty sure you'd be covered by Magnuson-Moss. It would be a tall order to prove that an FCC-approved stereo damaged...