Depends more on what wheel you are using......But I think if you search the topic you will find that once you go over 285's using stock wheels chances are pretty good you will need to do the chop. Once you change to aftermarket wheels its a bigger crap shoot.
...And searching, everyone has a different sense if it rubs or not. "I fit 35's under it on a 3" lift with no rubbing". I personally find this hard to believe. I just want to know about my specific setup while my tires are in the mail.