Welcome to the forum! 
Hmmm I can see what you mean on it erasing your savings. I doubt it would hurt your truck with the bigger offset. But, Id be worrying about it rubbing. Its kinda rare for people to put 19.5's on theses truck so it might be hard to get a definat answer. Id either call a rickson dealer and get there opinion or your best bet is to try to ask the guy with the wheels if you could put one of his wheels on your truck to check for rubbing.
