dloc - no worries at all! Thanks for the input, different opnions don't mean F-u statements.
Still, I think I might save the money and just get 4. The extra tire, mounting and all that plus the new spare tire cover will add up. But, it is food for thought, I might keep an eye open for a cheeper tire of the same size and see about a sale on tire covers. Mine receintly got two small rips in it

I don't think anyone was trying to steel it, maybe just walking past it or something with a bag (that's city living for ya.)
i have a decent 245/75/16 i would sell you if you need one. it has about 50% tread left but would make a great spare. glad there are not hard feelings and you can see it that way. some people can be really touchy if you dont fell the same way as them