RVs are the only service where tires are run at or near (and sometimes above) their maximum weight ratings 100% of the time.
Maybe so, I don't know. Very few RVs (cl a) even carry a spare whereas Baja Race trucks carry two spares and use them often so the loads on the tires at 90mph through the desert must be way over 100%. RPM stress at the drag strip would be pretty high as well.
We let the tires sit in one position for weeks or months at a time with their full rated load on them, then we get in and run them at highway speeds for hours on end. Then they sit in one place again.
unless you have jacks but it's a static load and they do have a high margin, 3X? 55-60mph is a "highway" speed but pretty slow by most standards.
Passenger cars rarely load their tires to 100% of their rated capacity. In most cases, the majority of their use is at low or medium speeds, with relatively few periods of sustained high speed running.
Maybe where you live, I don't know. Out here, folks drive 90+, often. The pickups are full and pulling backhoe's, excavators, big loads, steep roads, gravel/unpaved roads,
Commercial trucks run at highway speeds for hours on end, but they're not loaded at 100% all of the time. And they rarely sit in one place for more than 8-12 hours if they're loaded.
Busses too I guess and they use re-treads too...?