So far I have lost my tyres due to casing failure, and so far none due to being completely worn down (although the Marathon Plus was close). So I don't like to use maximum pressure any more. There is even a school of thought that likes to deflate the tyres a bit when not riding to remove the stress on the casing threads.

A little explanatory note is in order:

Tyres are supposed to flatten out a bit at the bottom as they bear weight. So a light person will need less tyre pressure than a heavier one for the "correct" amount of deformation. Sometimes tyres are spec'ed with a maximum load-bearing weight; this is simply because they can't be pumped to high enough pressure to bear more weight while not risking pinch flats when going over bumps.

Narrow tyres need higher pressure to avoid pinch flats. As such they will typically have more threads per inch (TPI) to handle the higher pressure. A tyre's maximum pressure is designed to avoid over-stressing those threads.

I use Schwalbe tubes as these asre MUCH better than anything else I tried - I inflate once a month if that.