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My personal solution, I would pass on the insurance. I would swap out the RFT's for some decent A/S michelins or Conti's, then put the RFT's back on when I return the car. In 34 months, the odds that the treadlife will be at an acceptable level for lease return is about zero. So you're gonna have to buy new tires anyway to give back. And you don't have the option of putting on any tires you want, you have to have RFT's on the car which right now means a minimum of $1600, if you do it yourself, closer to 2g if you have BMW do it.
+: If you put on some regular A/S tires and keep a can of tire sealant in the trunk, you're spending $500-$1000 less, the ride quality will be better, you're less susceptible to tire damage, and you have back ups in case you do have to replace any of them.
-: May not have space in garage, or live in an apartment. More upfront cost, pay me now or pay me later.
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