Has anyone actually used the 20's with different tires and gotten good traction in snow? I would think anything on 20's would be bad in the snow.

As far as the RFT's, I'm about to find out how bad it is when I have to spend a few hundred because of a damn nail. My dealer never mentioned the tire insurance and I completely forgot to ask about it when I bought the car. Looks like about $417 on TireRack, because of a damn nail. Doesn't seem worth the RFT's to me but the 20" wheels are above and beyond worth it in terms of improving the look of the car. If I could've gotten the 20's with regular tires, I would have.