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Good tech. This is the same calculation I use. I always go .9-1.0 for the COF as even in mud the worst case is when you catch something solid like a root. Which brings us to the topic of shock loads... I feel a safety factor of 2-3 is about right. I also feel that worst case is about half the vehicle's weight is on one rear tire (beyond that I am easy on the throttle to prevent a roll).
Bottom line is, I divide the total weight by two to get the max load, then multiply by two to cover shock loads, and end up in the same place you do.
Bottom line is, I divide the total weight by two to get the max load, then multiply by two to cover shock loads, and end up in the same place you do.