HEAT is what causes tires to fail. Heat is generated by tire flex. The more it flexes, the more heat it generates, so counter intuitively, UNDER inflation causes tires to blow out or come apart. The more load you put on your tire, the more pressure it should have to carry that load. For 2 up, especially with baggage added in, go with the sidewall max allowed. A little too much pressure is better than a little too little when safety rather than cushy ride is important.