Unless you're going to have fat passengers on the rear, plus a full trunk, you don't need a 98 load rating. In fact, you'd be over the GVWR with the 94 load rating of 1,450-lbs per tire anyway, so why the hell 98?
And same with the speed rating; US cars are limited to 155 mph, so why a Y rating of 186 mph SUSTAINED? Even a Z rated tire is overkill with 168 mph sustained. Any 94Z tire exceeds both top speed and GVWR on our cars; no need for more, especially if you never carry passengers in the rear, like me (and the front ones are light
).