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Not a good idea to run 20" year round, in particular winter. It means you will be runnning a very low profile (35 series) winter tires and they would be very hard to find and very expensive. Second, way too many potholes which may lead to damage to both rims & tires.
You can definitely buy rims/tires warranty from dealer, I recalled the terms/clauses of warranty have changed recently and it's best to contact your dealer to ask questions. I think the warranty cost about $1500+
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