Overkill is good in this situation. Better load rating is because mostly of materials, ie, Steels and plastics, clearences, etc. A quality Heim on a head-on load will last many, many years in a T, as its not ever stressed in the least. While the side load on the heim joint is probably less that 1.4 to 2 degrees at the front wishbone mount itself, theres not enough side load to dislodge a ball from its mount, unless a direct side impact from a wreck or rollover, which alot more stresses come into play, and a dislodged heim is the least of your worrys then.
I trust all the George says on Chassis stuff, he knows his schit, so to speak....He is a expert and knows Engineering, and I trust him 100%.
However, the old lady in her Escalade backing into the side of my T at the grocery store and putting her wheels up against my wishbone close to its adjustment point or on the heim makes my skin crawl....and the thought of her pushing my lakepipes into the side of my body....OUCH!
I just put the dust seal on each side of my heims and a SS washer as a backup incase of a catastrophic failure.
Afterall, I've seen motors explode thousands of times. Just a few have taken out the front tires, I've seen blower belts take out steering rods, I've seen people loose toes and/or parts of their feet to clutch explosions.
Seen 1 guy almost loose his privates to a rearend explosion in a old front motored digger....schit happens....and not all the time for the best.