Tires are the only thing (or at least should be) touching the ground. They are a main component in stopping and staying on the road. They are a vital point in avoiding an accident which can harm your vehicle, you and your wallet.

Besides traction as factor, there's wear. You won't get the same number of miles out of two different tires with different wear ratings.

If you're saying you spend $400 every 4 years, would you spend $50 or even $100 a year to be safer? It's not something that I would try to save on.

Find a tire that fits your criteria first then look at price.