I can not speak for all MH's but there should be no reason to change out the studs, unless they are bad to begin with. On our 2009 Diplomat the outside wheels are aluminum and the inside ones are steel. We had the same set up on the 2003 Endeavor that we used to have. About the only issue you might have is when/if you rotate the tires. Then they will have to be removed from the wheels, which will cost more. Most of us do not put enough miles on our MH's to rotate them before they 'age out'.
2009 38' Diplomat
CSM- retired, wife as co-pilot
Reka & Ali providing security (our 2 labs)