Yet another tire question

[blakeash]

Hi - I'm new here and have been reading as many posts that I can. I've already learned a ton but have been unable to find a specific answer I'm looking for. I apologize in advance if the answer is already out there.

I just got an '06 X5 4.4i w/ the Sports, Cold Weather and Premium Packages. Had it shipped from CA to CO. It currently has staggered Michelin 4X4 Diamaris (255/50/19, 285/45/19). According to the last inspection, all 4 tires need to be replaced.

Being in CO I'd like to change over to an all-season (although I may get dedicated snows next winter). I sometimes drive on dirt roads and am looking for something a bit more "rugged". I read that many posters here recommended the Michelin Latitude Hp's. And of course, seeing as how it's Colorado, chances are I could still run into some snow for quite a while.

So here's my question. "Tirerack' recommends the Latitudes (amongst others) but when I add them to my cart I get a message stating:

"The following tire you have selected has a higher load rating than the vehicle's Original Equipment (O.E.) tires. This typically results in increased ride harshness, which some customers may find undesirable."

Have any of you found this to be a serious problem or is it something you just get used to? 90 mph is the max I'd probably ever drive if that makes a difference. Also, (hope this doesn't sound too dumb...I'm not blonde, I promise!) can the tire size be changed while keeping the same wheels/rims and do they always need to be staggered? Also, is there a different brand of tire that would be better recommended?

I realize the Sports Package may not have been the most intelligent option for my particular driving conditions/style but I got a great deal on the car and it was already included.

Sorry this was so long and any insight would be greatly apprerciated.

Thanks! Ashley

PS - Once it quits snowing and I can wash him I'll post some pics. Very black and very sharp.