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22" aftermarket wheel load rating and offset, 24" possible?

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Looking at a staggered set of wheels for a MX 100D.
I was looking at a set that were available in:
22x9 32et in front
22x10.5 20et in back

My family with car seats and a dog is about 640lb. We usually aren't all driving together, but would like it safe for everyone.

Some questions:

1. What do front and rear wheels need to be load rated to? I think it is 3241 front and 3792lb rear, so does that mean rears need to be rated at 1896lb rear and 1620lb front or can I take GVWR (6788lb) / 4 and work with 1697lb ea.?

2. Manufacturer also offers a 42et on the 22x10.5 and I can use spacers. Would 22x10.5 @ 20mm offset clear brakes? Would it stick out past fenders? I think I'd like the appearance on the 20mm et on this particular rim as opposed to 42mm w/ a ~15mm spacer

3. My other rims (MX 75D) I'm running 285/35r22 DWS06 in rear, but on a 10" wheel. Would those rubbers work on a 10.5" wheel?

4. Also, does a wheel failure ruin the car? Loaded past manufacturers weight rating?

And lastly, drumroll...
5. Has anyone put 24" wheels on a Model X

Thanks!