295/55/20 will clear fine with either offset with the leveling kit. At the store I run we always run the 305/55/20 tires and the fit fine without rubbing as well with anything from -12 to +18 offsets. We just have to do some minor modifications. First you will need to remove the mudflaps on the front of the vehicle. Then, you will need to pull back the inner fender liner by removing the two screws that hold it to the bottom of the bumper on each side. Then, simply push back the liner about an inch to inch and a half, poke new holes to line up with clip that the screw went into, then reinstall screws. Bingo Bango! No more rubbing.