I ran 34's on completely stock suspention with no body lift for a month or two when I got my first 4runner, and the rear didnt rub because the tires were 10.5's and they tucked under the fender when articulating. Let me just tell you fun it is to be going down the highway, hit a bump and stuff both rear tires on the body. None, thats how much. It was fine for offroading, but on road was a chore. The front was never an issue, I never broke anyhting. I did stuff one of my front tires REALLY hard one rainy night offroad, and nothing broke. After that I realized that I would have to try to break my IFS. I did, and I won.
sam