My view is similar - fit the right sizes and load ratings as per the plate on the car, and it doesn't matter if they are RFT or not as long as the whole set is the same. XL tyres are likely to suit a car set up for RFT tyres better. I don't feel the need to offer extra cash to my insurer for my winter tyres as 225/45/17 94XL all round are on the plate as a standard option, and if I fit non-RFT summer tyres when the current ones wear out (highly likely) I'll just get XL ones of the right sizes all round and again not feel the need to talk to someone in a call centre who has no idea what I'm talking about, but a standard response of "that'll be "£X" extra sir"...
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