Was going to put 35s on but unsure

[Cuppa]

Plenty of folk do put bigger tyres on, often combined with illegal lifts, but the insurance companies know that. If you get unlucky & have an accident you can bet that tyre size (& lift height) will be something which comes under scrutiny as a simple matter of routine. If the insurance company say "your bigger tyres contributed to the accident (& they most likely will) it will be up to you to try to prove different. This alone could cost thousands & fail. But this amount would pale into insignificance if you have to spend the rest of your life paying for someones death or permanent disability.

Another aspect is that whilst the extra ground clearance gained from bigger tyres is tempting, & useful in rocky country, if used in wet & muddy conditions is IMHO a selfish & antisocial thing to do. It simply ends up making deeper ruts which anyone with legal tyres cannot manage.

Having a set of bigger tyres, carried & fitted at the off road venue is probably the most sensible solution, but a real pain in the proverbial, so many just fit them when heading off on a 4wd outing & drive extra cautiously whilst on their way to the off road venue to mitigate the risk. But no-one plans to have an accident. Having them fitted permanently just to look 'tough' is foolish in my book. If a 4wd injured or killed anyone I love you can be sure I'd be looking to see if they had illegal mods which potentially affected braking or stability.

I don't expect this view to be shared by all & some may argue that it's possible to be safe, maintaining adequate braking & stability, whilst having these mods. Regardless of this they still run the legal risk, not of being caught, but of what happens to their lives if things do go pear shaped.