My previous boat (2008 model) had a matching trailer with 13" bias ply tires. Reading the trailer specs and side wall info, the load was maxed out as per the tires. I ran the max pressure (around 50) and wore out 2 sets of bias ply in the first couple seasons. Dealer replaced first set under warranty. After a highway run, the tires would be too hot to touch. The final straw was when the outer rubber peeled off at highway speeds, ruining the fender. Lucky boat was not touched. After that went to radials (same weight spec, highest possible for 13") and never had a problem again, tires ran cool at hwy speeds. Just because it came from the factory as a package, doesn't mean it's perfect.
Jump ahead a few years, I just bought a new boat c/w trailer. As per weight, the trailer has a stronger axle and running 15" radials. There's a good 25% buffer there which is a nice safety factor.
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