Hi gurus

I got a really nice Special for winter tires for my car but after I bought them I realized that the load index was a bit lower than what I used to have before ... can I not carry my girlfriend anymore??? :/
The gross weight or Gesamtgewicht of my car is 2385kg as written in my car papers. The tires I got have load index:
- front 94V (max 670kg per tyre)
- back 96V (max 710kg per tyre)
Doing the math these tyres support up to 2760kg, and almost 400kg more than the gross car weight; which should be enough to accommodate for 4 passengers and luggage.
I called a garage and they said it wasn’t right, that I needed 98V front and 100V back. Then I called the technical branch of the strassenverkersamt and they confirmed it was OK. However, I was left wondering whether my reasoning for calculating whether it works or not was flawed e.g. if I get one flat tyre do the others have to be able to support the whole car?
Any hints appreciated.