While you might not NEED an AT tire 99% of the time, it is nice to have them when needed.
I think it was 4 summers ago, I got Kumho SAT KL61 as they were rated the highest on tirerack. I brought the print out to Discount tire and they price matched the delivered price.
I now see that they are not rated good at all, down at 15, of 18, that the BFGoodrich All-Terrain T/A KO2 is currently rated highest by the consumer.
But, the 'total reported miles' is still low, just like my Kumho's were when first bought.
The Firestone Destination AT was #2 years ago and is still number 2 now with very high ratings.
While I kind of wish I got those instead, my Korean made( not Chinese) Kumhos have been a good tire, that have not seen enough offroading to justify an AT tire, but for such an aggressive tread, they remain pretty quiet, and did have excellent traction and manners offroad. On road too for that matter as I pushed them to and past their limits descending the Sierras like a madman.
I do not have much mileage on them. They will die of old age before the tread even reaches half depth. They are 4 years old now, and people still ask me about my new tires as the tread is still so deep, and some Aerospace 303 keeps them looking new. I'll probably not pay attention to the 5 year rule as long as the sidewalls remain crack free.
These were my Old tires, Michelin XCX-APT at 8 years old and 65K miles:
They saw lots of Baja washboard at speed, aired down without issue, and unfortunately and foolishly, dollar store tire shine.
Never use products that contain petroleum distillates on tires, and most tire shine products, have them.
Load range E is an LT tire( light truck), where as P245/xx/17's are a passenger tire. Passenger tires have softer sidewalls and ride nicer but are less puncture resistant. They come in standard load SL, as well as XL, extra load.
Recommend you stick with LT 245/xx/17 Load range E rather than getting an XL rated passenger tire. Passenger tires must be weight derated by about 10% in a Van or truck.