Everyone is free to make their own decisions. I've done my own calculations and my weights are no where close to overloading the tires I have.
Here are the numbers for the 255/45/19 Continental ProContact RX, 104 load rating. I can't find any situation, even with towing, where I would overload the tires/axle. The 104 load rating is overkill, which is perfectly fine. I'm using a 101 load rating on my aftermarket wheels, which are exactly the same as the 20" Goodyear Eagle F1 that come equipped on North American Model Y with the Induction tires.
if you drop down to 99 load rating, even with four large adults, 200 lbs in the trunk, 285 lbs in the sub-trunk, tow hitch attached, and 55 lbs in the frunk, it still falls under the limit.
I've done a bunch of other calculations and I'll state it again, as long as people are not towing, which many of us are not, the lower tire load ratings are fine.