i look at the cold recommendations as minimums and go up from there if I am going to carry more weight. Adjust the preload on the damper to tune the ride. You need air in the tire to give you a load rating that will carry you and the bike without destroying your tires. Do you recall the Firestone debacle? That was all about people not having enough air in there tires. Running with too little air can overheat the tire carcass and set you up for a rapid deflation event (read blowout). Lived in NYC for more years than any other place so far and the roads are not getting any better, the 70 series tires on our bikes do pretty well with the crappy roads compared to some others. Hope that helps
enjoy