Reynoldston, You're right on with setting the bead as the 20X8-8 won't fit because that's the the inner-bead width - from edge of bead on one side of the tire to the edge of the bead on the other side. The 20X10-8 fits, but you have a 1" wider tire than the OEM 20X9-8 spec. In this case, 1" too wide is better than 1" too narrow. You're also correct about the chains... the same chains will probably fit all 3 tire measurements. Greynold99