I have multiple cars so I don't usually need a loaner. I've also never had a 'proprietary computer chip' problem in any car and every car I've ever owned has had some sort of programmer or chip tune done to it.
Some 'warranty claims' I've had over the years would include.
99' Audi A4 - Battery died and also killed the alternator. Towed it to my buddies indy shop, repaired, sent Audi the bill and was reimbursed. (40k miles on chip tune no issues)
'05 VW Jetta - HVAC lights went out. Took the car to the dealer, showed them what was going on, got a new HVAC unit free of charge and replaced it myself. (70k miles on a chip tune, no issues)
'07 Acura TL-S - Alternator went on me. Towed it to my buddies indy shop to diagnose, sent the bill to my dealer and they covered it. Also had a starter go bad on this car. Same process. (90k miles on programer, no issues)
'09 Jeep Commander - Starter went bad, towed it to the dealer and they agreed it was a starter. They gave me the part and I replaced it in the parking lot and drove home. (30k miles chip tune no issues)
'07 Trailblazer SS - Tire pressure sensors went bad. Given free replacements by the dealer, replaced at my indy shop. (50k miles chip tuned, no issues)
'07 Audi RS4 - 3rd gear syncro went bad. Had it replaced at my buddies shop, reimbursed by Audi. Power steering line was leaking, diagnosed by my buddies shop, parts provided free by the dealer, replaced them myself. (25k miles chip tune, 10k miles supercharged, no issues)
So no, I'm not worried about the programmer for my larger tires on this truck (to bring this back around to the topic at hand, sorry)