I ran for a while a stock sport s wheel with a 285/75/17 which is a 34 inch tire with zero issues. Someone I know runs a 35x12.50 with no issues. Maybe fully flexed and turned it might touch a little so I guess it does depend on what you’re doing.
You’re forgetting about break over with the long jt. The higher the lift the more clearance. If it wasn’t for my Clayton 2.5 which is actually a 3.5 inch lift and 37s I wouldn’t be able to hit as many trails as I do without scraping frame.