I can't answer you second question about aftermarket wheels with airbags but the 3 spoke wheel doesn't have the same issues as you 4 spoke one. It's been a long time since I had a '99 with the 4 spoke wheel but I remember fixing the plate problem with some rubber washers from a local hardware store. I can;t recall if I got the fix from this or another website. Try doing some deeper searching.....
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