Is it at all practical to mount winter tires onto the stock 20" wheel? Saw some talk about that but always though it was nonsensical to break down the tires twice a year. Also, wouldn't the 20" wheel be WAY too wide to be effective? Last, how would this impact my wheel/tire insurance....Say I hit a pothole and blow out the sidewall of the winter tire, and bend the wheel. Will BMW say "hey, you didn't have the stock tires on the car; NOT COVERED!" Any thoughts? Thanks.