Keep your spare with you and make sure you can remove it. Had to use mine for the first time this past month and could not remove it from the holder because the factory cross threaded the lug nuts. Finally had to snap the bolts (thanks to roadside assistance) in order to use it.
If you or people are leaving the spare at home so they can carry (as you said) 100# of stuff there is some serious down sizing or reality checks that need done. So you blow your tire at 5pm sunday on way home, no spare I am just trying to figure out what you would do. Maybe someone of the non spare carrying people can answer that.
Two weeks ago I was traveling down I-16, blew the left rear tire on my tv. Glad I had a spare with me. Tires only had about 13k on them, age got them. I was expecting to have one of the TT, also carry a spare and tire pressure set.