Anytime you modify a vehicle from the factory specs you are going to add stress to the parts. Really its not as bad as it sounds but that's why over time most of us upgrade from factory parts when they go bad. Cranking on your keys will give you a minor lift and a really crappy ride, lol. Re-indexed Keys lift your front end 2-3" if you have 4wd your going to have to watch your CV angles if not you really don't have anything to worry about. Either way you can use factory rims for either, a key lift or cranking will not effect clearance for your stock rims.