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My decision was based on the fact I drive a lot for work and am often hundreds of miles from home - not ideal if it then dumps down, however careful you are trying to be. My close is also on a slope and never treated and I'm sick of being stuck here...
Hadn't really considered the insurance angle as I'm using a BMW-recommended size (225/45/17 V) on BMW wheels (17x8 all round - mu normal 18" wheels are staggered) so they can go jump, but perhaps I should just tell them - in an "I'm telling you" sort of way, not a "how much are you going to rip me off" sort of way...
Edited to add - the 17's were very close to the brakes on the front, but OK (they are the coupe SE style 185's).
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