I ran 33's on a stock leaf truck for years with no lift and a whole lot of scrubbing
but you get used to it and learn to drive with that in mind and you'll be ok
I drove it like that because of fundage for about a year and a half until I got the body lift
and from there is has been an adventure to say the least I've had my truck for 20 years now
no cutting of the fenders either I don't like the cutting idea much
and about the racks you better just go get the right thing to mount it or fab some up
I don't want your three bikes flying through my windsheild at 60 miles per hour
or have to swerve at that speed to dodge them( can you say roll over)
good luck with it