How much Reserve Load or "Headroom" is enough?

Following an RV forum discussion on How much extra load capacity or "Reserve Load" or "Head Room" is enough. Some folks had moved from LR-C to LR-D  others to LR-G but were concerned about running the tire sidewall pressure as it would be too hard on the trailer.

There was also some confusion about the "Maximum" allowable inflation.  I said:
"The inflation on a tire sidewall is the MINIMUM inflation pressure needed to support the MAXIMUM load (also molded o the tire sidewall).
There is a sound scientific reason to run higher inflation when running tires on multi-axle trailers. It is called "Interply Shear". This force is what can result in belt/tread separations. I have covered this in detail along with references to technical papers on the topic.
IMO you need a minimum of 15% "head-room" of load capacity over the measured load of the heavier end of an axle. (CAT scale only gives the total on an axle and very few RVs have 50/50 load split. Some folks have discovered unbalance of 500 to 1,000#)
Most cars come with 20% to 40% tire load capacity headroom. I run 25% on my Class-C."
Which resulted in this reply:
"So if a given pressure (below the tires maximum) still provides the necessary headroom over the measured load, it's okay to run it, correct? Or am I not understanding something? "

This leads me to respond:
"I wish it were that simple but all radial tires have the Interply Shear force. It's a question of how much "tire life" is being "used up". The force results in microscopic cracks forming between the two steel belts at the outer edge. Once cracks form they do not repair themselves but can only grow.
No good tool or math model can turn Shear Force into Miles of tire life is "consumed" as there are just too many variables.
Finite Element models simply indicate that higher inflation can result in lower shear force every time you turn a corner or every time a tire completes a revolution. 
About the best you can do is to do a close visual inspection (Free Spin) to look for signs or out of round or side to side runout which are strong indicators of internal structural tears. I have a video and pictures of the autopsy I did on a tire where you can see the separations running across 50% to 70% of the tread width. This large separation might run a thousand miles or under certain circumstances might fail tomorrow.
Think of it like your Blood Pressure. Higher is worse. So the question is at what number can you expect to have a fatal attack?
If you consult your owner's manual you will see a suggestion that 3 to 5 years is the max expected life but obviously someone that runs at or above Max Load and above 65 mph and drives 4,000 mi a year is more likely to suffer a failure than someone that only drives 2,000 mi, never faster than 62 and at only 80% of tire load capacity.
Moving up one Load Range C>D or D>E can probably expect longer tire life if they also go from 50 to 65 or 65 to 80 psi. Going to LR-G in a Commercial grade all-steel tire should result in longer life even if you don't run 110psi.
Since load capacity is shown in the Load/Infl tables then I would suggest trying to get to 20 to 25% Reserve Load would be a good move. You still need to watch max speed and minimize sharp turns (as seen when backing) and of course, do a good free spin inspection once a year or once every 2,000 mi whichever comes first. Plus run a TPMS to confirm you never run lower pressure than your goal."

I realize this is a long winded post but hopefully, you can think about the ideas and concepts we are discussing.  Easy questions do not always get simple answers, Especially when talking about a complex topic.

##RVT888