Lots of obsessing over nothing in this thread. On the bright side, things are so good in the US that we can spend crazy amounts of time arguing over trivial stuff that really isn’t that important.
For my $2 (inflation…what’s a penny?), I use grade 8 whenever possible but if not available for whatever reason, I’ll use grade 5. I use stainless bolts and nuts for anything non strength critical. Don’t use stainless for anything that needs to be strong!
Don’t over think it. Many people never even take their Jeeps out of the parking lot so those people could use stainless or below grade 5 and never have an issue.
It isn't obsessing. It is instead the desire to have the correct information out there for folks to use to make an informed decision and correct fallacies like yours about stainless. Using "stainless" generically to indicate a weak non-structural fastener is just as fallacious as grouping all other steel fasteners as being Gr. 2 or less. It simply isn't true. I use a lot of structural stainless fasteners. They aren't cheap, but there are a lot of them out there.