Guys, there is always going to be a bureaucracy (costco above), luddite, or ultra-cautious person telling you "Only Follow The Manual". Is what it is, just part of life. For those comfortable thinking for themselves well, your options are quite a bit wider.
I'll attach a link to some deeper discussion with a lof of reference links to so you can reach your own conclusions, but having spent some time looking at this I'm comfortable sharing my personal conclusions. YMMV:
- Yes, you can run lower tire pressure in almost all situations, and lower tire load ratings too.
- No, your insurance company isn't going go deny coverage, sue you, or etc. Thats just fear mongering.
- Drunks, speeders, over-loaded cars, etc are covered, unless you do something incredibly stupid and high profile.
- Given the modeling I did, I was able to see one occasion where 101XL was justified. As such, I'm sure Tesla delivers the car with 101XL on purpose.
- If you put a light driver in a Y, load it to max GVWR with all the weight in back (say loaded coolers and a 3500lb trailer with 15% tongue), AND lower tire pressure to 36 PSI, you will both not set off the tire pressure alert and be at the load limit of a 101XL at the rear. My personal assumption is that's why Telsa specified that tire as an OEM. You should model and decide for yourself.
- Is there something that says you must follow OEM tire sizes? Nope.
- So yea, it's POSSIBLE, but I can tell you I'll spend no time at all doing such a thing. When I replace I'll likely look for an XL so I can air up (I run 36-38 PSI in normal use), but I won't be pushing for 101 load rating. Why? Because my personal use case will never match this "worst possible" scenario.
- For the rare times I load the Y to any degree I'll simply air up a bit.
- If you didn't know, XL simply means the tire allows higher tire pressures, and every time made increases load rating as tire pressure goes up.
Link:
Deeper Discussion W/Reference Links