The way I understand it, the Load Inflation Tables are a standard set by the Tire Manufacturers Associations (American, European & Japanese). Tires must meet (or, of course, exceed) the loads for the various inflation pressures. That's all. They are not a recommendation to run those pressures for best wear, handling, comfort, fuel economy, noise and all the other considerations. That's up to the vehicle manufacturer (and the owner) to decide. For example, some might prefer a higher pressure for better fuel economy at the expense of comfort. Different strokes, etc.!
I really doubt that the increase in tire diameter from inflating to 65psig would increase the likelihood of a rollover. You'll raise the roll-center a lot more with your air springs inflated to the maximum!
Yes, I cringe when I hear people say that they run maximum tire rated psi because the tire-monkey told them to do so.
NYS annual inspections? You obviously weren't going to the right inspector. The guy I used to use in Plattsburg's inspection consisted of walking around the car, looking at the dash to read the odometer and filling out the paperwork. All for the inspection fee + a $5 tip.