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okay basically offset is how much your wheel suck inward or outward from rotors. with the right offset the rim could sit flush, stick out, or slightly tucked behind fender.
if you do shave body you can have it reinforced by having it attach to another part near the area of effect. probably will have to have a body shop custom fit it for you. it'll help it more in a collision, but let's face it either way if something hit your car it'll damage it no matter how strong the body is.
BTW tucking the wheels behind fender a bit is kind of the goal to not scrapping the fenders as you turn since there's space behind the fenders. if this is not done. you must compensate by having wheel size/tires size that's smaller than fender gaps
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