I've been running 1 1/4" spacers (bolt on adaptors) for almost a year now with no problems. As far as additional stress on components, its the same as wheels with a different offset. I check both sets of lugs every couple of months, but have never found them loose. When checking I remove the spacers and reinstall them with blue loctite, just to be sure. As for saving $, well, my billet spacers were 200$, you could probably find steel rims for that $.