by The Roadie » Sat Jan 05, 2013 2:19 pm
Welcome!
Almost all of your questions have already been discussed, and it's only going to take you 10 hours of reading to come up to speed. Enjoy!
Especially check out the build threads.
The issue for the larger wheel sizes (20-22") is that they get lower aspect ratios to keep the FINAL OUTER diameter of the rubber so it doesn't hit the upper ball joint. And some aftermarket wheels that fit without spacers have less backspacing so that moves the tires outward for free. And many tires are built "near" their nominal sizes, but not exact, so only the tire manufacturer will be able to say if a tire is 30.2 or 30.7" for a nominal size that might make you think they are going to be 30.5".
Also, be cautious about any offroad planning on a limited budget, because even more than lift, spacers, and tires (and the underbody armor you didn't mention), you need a savings safety cushion in case you break something. You need (potentially) emergency supplies, communication gear, recovery and extraction gear, maintenance supplies, spare parts, etc. etc. This is a site devoted to USING the vehicles offroad, not for how to lift 'em to look "good" at the mall. Stock, you can do a LOT of things that would astonish you, so don't throw money at a perceived limitation until you know it's the best use of your money. Saving for longer until you can do 2-4 levels of improvement at once may be a better plan to avoid wasting money on a mod like tires that have to be discarded later.