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Take the suit off, you're right. To a certain extent I agree, it's great fun going past the limit of the tyres. However as I found out recently, the performance difference is huge. For a similar price to T1Rs, the R1Rs would see you using your indicator far less.
Yes used them recently, excellent for the money. They can fit tyres for you too, for a bit extra. Turnaround is about a week but apparently do a sameday service for £45 each.
Generally more resistant to chip damage from what I've seen. If you're only using on the road, I would think they'll be okay. It's usually top track pads that give off lots of dust (or VERY cheap road pads)
45s are factory size, so what they decided was the best overall compromise. Should give similar overall rolling radius to what you have. They'll look better too.
Haven't got a clue on insurance. I think if they are still Renault alloys it doesn't change much. If just for road use then 195s. Just to make sure you know that if you have steels on now, then you will probably need new tapered bolts, as steels usually have radiused ones.