the horror stories are mostly from folk without any actual experience of them whatsoever, or if they've had a bad experience they have no understanding of the engineering thats going on with wheel hub relationship and should leave their car keys in the fruit bowl!
the cars weight is, or at least should be, 100% laden on the hub nose that protrudes for the wheel to sit snugly on, the bolts, studs, nuts are present to provide clamping force against the hub and nothing more.
wheels bolts or studs are not load bearing in any way shape or form, there should not be any car weight sat upon them at all.
aftermarket and none genuine wheels MUST be fitted with the correct size spigot rings or hubcentric adapter to allow the same snug load bearing fit onto the hub protrusion asan original wheel with the same centre bore would have.
then and only then is a wheel safe, and just as safe with wobble bolts, or adjuster nuts on studs (my personal preference) as it would have been using an original wheel and bolt setup.
don't forget that the clamping force required for an alloy wheel is merely 70ft/lb of torque, 80 if you want to go bigger, and i can apply that amount of torque holding the wheel from rotating with one arm and torque wrench in the other, its really not that much.
a wobble bolt can apply that clamping force and much much more just aswell as the stock nut or bolt can, remember there isn't any weight on them at all if the centre bore to hub is correct.
as for 4x98 wheel options, other than fiat alfa and lancia there has only been a very few cars using it,
to my recollection that means you fit wheels from some but not all Citroen Nemo, Peugeot Bipper, Ford Ka, ooh, and the lovely tasty offerings of a Lada!
its a personal thing wheels, personally i hate most of the oe italian wheels, especially the alfa wheels, and i'm an alfa man at heart! :slayer:
trust me, there nothing wrong with the proper use of adjusters