I would imagine the 130 rims and 255s would rub, especially if you have any decent wheel travel, i have 255s on 0 offset rims and they rubbed on the upper spring hanger on my county when it flexed, this wasnt an issue in my disco though with the smaller diameter rear springs.
As for load ratings, i run 16x8 -25 dynamics and MTZ 285s on my 130, its pretty well decked out with loads of gear weighing it down, add to the myself, my wife and 2 kids along with all of our gear, tools, spares, fridge, food etc etc etc for a 6 week trip and towing a fairly hefty camper, they handled that without a fault on our cape york trip last year, and it sees some off road use pretty much weekly at my farm.... the only issues i have had was 1 rim was slightly buckled right from the factory when i got them.
BTW i dont run any additional flares on the front, just standard defender flares up front and after market flares on the rear HCPU tray, mainly because i have been lazy to fit the fronts, but i havnt had any hassles from the police.



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