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Boy, I hate to get in the middle of this argu....mmmm......discussion, but I have to correct some misconceptions.
Speed rating is a capability that a tire has. It is based on a test where a new tire is mounted in a fixture in a 77F temperature room and loaded against a wheel and the speed is increased in a series of steps. To pass a given speed rating, the tire must endure one hour at the rating speed. Usually this an "after the fact" kind of thing because the speed rating is usually a given in a line of tires, and the test is more like a compliance type of thing.
What this means is that old tires, ambient temperatures above 77F, something other than glass smooth roads, something more than one hour accumulated at speed are all in the wrong direction.
In other words, there is lot more than just the speed when we talk about speed ratings. And it's not an absolute!!!
For practical purposes, the tire construction is pretty much the only thing that is different from speed rating to speed rating.
HOWEVER.....most higher speed rated tires go on higher peformance vehicles and those tires have to be sized and designed accordingly.
So generally the higher the speed rating, the lower the aspect ratio, the lower the treadwear rating, the better the grip (treadwear and grip are pretty much mutually exclusive). This also means that higher speed rating, the more likely the tire is to be a summer tire.
And the reason I decided to post:
Rolling resistance is pretty much a function of 2 things: The tread compound and the amount of material in a tire, especially in the tread area.
Put another way, the tread design hardly affects the RR. But this all gets confounded by that fact that summer tires are generally thinner treaded but have a high grip (read high RR) compound, while all seasons have more tread rubber, but the tread compound is much better for RR (lower grip).
Winter tires are the worst of both worlds - lots of tread rubber and a grippy compound - and therefore high RR.
All this leads a lot of folks to think that the tread pattern grip has something to do with RR - it does not!!
Now to complicate matters further, cap plies - which are almost required for an H and higher speed rating - add bulk in the tread area and add significantly to RR.
Now for my 2 cents:
Adding a cap ply to a construction adds much more than would be indicated by the increase in speed rating from T to H. In fact some "experts" say that all tires should have a cap ply, because they are so much less likely to fail. Of course if you look at the test and understand what the result will mean - well...my interpretation is that folks in the great white north don't need to worry much about speed ratings S or lower, but the folks in Arizona have to be concerned because of the temperature.
The National Highway and Traffic Safety Adminsitration (NHTSA) studied tire failures by state and the top 5 were: AZ, CA, TX, NV, and FL. I'm not sure about the order but it was something like that. Also, this was NOT normalized for the population. Normally I include NM which I don't think made the list because of the low population.
Based on what I know, I think you absolutely have to have H rated tires in those 6 states. The further north, the less the need.