I ran 1.3 for years. You really will not notice the .25 inch difference. You will be better and have the clearance by running higher backspacing wheels which can move the tire more than a 1/4 inch easily..
What tire, wheel are you looking at?
I chose to literally use a hacksaw on the fenders to fit the tires i wanted at the All Truck Nationals so I have never been one really concerned about fitting with stock clearance, but I have ran more combos of offroad tires and wheels than anyone and have seen how they move and what they hit.
You have to watch ball joint, fender, bumper, frame, firewall once you get large enough. It is all give and take.