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Yeah I agree tyre swapping will be a PITA. I have wheelsets on my mountain bikes that I tell my self I'll swap around depending on what riding I'm doing, but I never actually do it due to them being set up tubeless and can't be arsed with it.
But I've still not went tubeless on my road bike so it would be less of PITA. I know that once I have the wheels I'll put tyres on and keep them as light climbers. But I like the option of putting 38c tyres on for very very mild gravel riding.
I don't have any experience of wide 700c gravel tyres but all the charts I've found basically say it will be compatible. Whether I notice any difference in ride quality or not, I'm not sure.
The wheels are brand new unused and hard to say no to so think I'll take them anyway
If you set the pressure for optimal handling, the ride will be shit. If you set the pressure for optimal ride, the handling will be shit. Neither of these things is likely to kill you. The other, and probably better, argument against your plan is that tyre swapping is a PITA with which you will become bored after about the first time, so just put the wheels with the tyres and bike they suit best once and for all.