
I'd look at innovations, cheaper month to month, and unlikely to have issues with suspension upgrades - unless you claiming on an item that is close to the suspension (ie. wheel bearing, etc). Also the claim benefits are closer to the double up cover mentioned above.
MMI box > screen replacement - unlikely to cause any warranty issues - as its a 'mechanical' warranty (which you generally find out at claim stage that this means only 'moving' parts - been burnt by this already....when i tried to claim a boost pipe

).
OEM 405m 19s have 8j rears...245s will the max width.
A proper TPMS retrofit can be done (costly). You will need the sensors, control module, wiring and coding.