Will a 102" have any highway/road restrictions because of the width, anywhere you may ever want to use it?
Some states restrict that width to certain size roads.
About halfway down this page there is some information on 102" regulations in different states.
Is Your RV Too Wide To Legally Be On The Road Without An Oversized Load Permit? | Fun Times Guide to RVing
And a trailer discussion here:
Anyone over 102 wide? - Pirate4x4.Com : 4x4 and Off-Road Forum
Bruce
102" is the max legal width pretty much everywhere. You will not have any issues being 102". I have several 102" trailers and have been all over the U.S.
You mentioned a buddy flipping a deckover. That extra width will add to stability. Also if you ever haul any palletized things you could put two 4' pallets side by side with a couple inches between them and not stick over the edges of the trailer.
The low profile deckovers I have seen have just a 1/4" or so steel plate flush with the top of the rest of the deck over where the tires are. You don't have the 1.5" of wood or the cross members which are usually 4" above the tires. This allows the deck to be 5" or so lower than a traditional deckover which makes a lot of difference especially when loading equipment on the trailer. I HATE loading things like skid steers on tall trailers it is scary.