The first rule of tire pressure is:
- Don't Blow The Tire
It's loud and forceful enough to be dangerous. And a pointless waste of money.
Now, unless degraded by damage or age, you can be quite certain that the tire will withstand the max rating embossed on the sidewall.
And have sufficient margin that you don't really need to worry about pressure gauge calibration.
But tire manufacturers won't tell you the self-destruct limit, so deliberate overinflation isn't such a hot idea.
The 2nd rule of tire pressure;
- Avoid Snakebite Flats
Meaning tire pressure should be kept high enough so that the tube and tire can't get pinched between road and rim during regular riding conditions.
Everything else is optional, subject to personal preferences and open to debate.
But don't worry about rider weight stressing the tire unless you've ALSO over-inflated it.
Tires pumped too hard for the road conditions becomes bouncy. You lose traction momentarily, comfort, and even speed, as even the smallest of bumps has to be turned into a bit of vertical motion.
Rolling resistance isn't primarily dependent on pressure, but rather tire deformation.
As the tire flattens at the contact patch, wave and wrinkles are formed in the material and pushed around as the wheel rolls. IT is this kneading of the actual structure that causes the rolling resistance of the tire.
Tires with thin and supple tread patterns and sidewalls roll easier at the same pressure as a sturdy, puncture protected tire.
If you're heavy, start with the highest recommended pressure.
Ride and ponder. Does it feel bouncy? Is the comfort OK? Are you at risk of bottoming out?
If you bottom out at the highest allowed pressure, you need another tire. Either a wider one, as a bigger air chamber can carry a greater weight, or one of the same width but with a higher rating.
If you don't bottom out you're free to experiment. If it feels bouncy, drop the pressure 10% and ride some more.
When you either begin to bottom out,or when the bike begins to feel sluggish and wobbly in turns, it's time to increase pressure again.