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According to Tirerack.com, the OEM 245/45ZR20 will fit a 7.5-9.0" wheel, and the 275/40ZR20 will fit a 9.0-11.0" wheel. And yes, a 305 wide tire is too wide for a 9.0" wide wheel. I'm not saying it can't be done, but it is not recommended and as you said, probably not safe.
I have my OEM tires on 8.5" and 10.0" wheels. Personally, I would not want to put that 275/40 tire on anything wider than my 10.0" wheel, it would look too "stretched" in my opinion.
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