I did not buy it on mine. I bought replacement tires, as soon as I got the truck, from Discount Tires Direct. You pay a $25/tire fee and get a protection package from them that covers any damage to the tires. I got a flat, a stone punctured the tire, and when I called them to order a new tire, they saw that I had the protection and sent me a new tire for free. They didn't even charge shipping. I just paid $25 for a new protection package for the new tire. I have the 20" wheels and the tires I bought stick out a bit further than the wheel, so I don't think I will damage them. That being said, IF I did damage a wheel, replacing it would cost more than the protection package you were quoted.
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