1 inch no trim. I have the FX4 package though which has the black wheels with the small “pockets” on the back. With yours being the XLT you would probably have to trim the studs a little bit. Not positive though on that part
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This is only the case if you drive on crappy roads with a lot of loose debris. Like I posted previously I’ve ran spacers on my rear wheels for probably close to a year and haven’t noticed any blemishes.if your looking for a "look" by sticking them past the wheel well then i encourage you to buy fender flares or a lot of touch up paint - there is no doubt you'll need it
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