What's the Biggest Tire 2002 Tacoma 3" Lifted wtih 20s

hi...I'm new to TW, but have been a Taco enthusiast 3 times over...I just bought a 2002 Tacoma Quad cab 4x4 along with a set of Rims 20x9+10 offset. These wheels will only be for summer as I plan to run my factory 16" for the winter....

I've looked all over the web and the sizes vary quite a bit so I'm sure I'm close on size...TW recommend max size of 295 55 20 for newer version and i was thinking of going with something a little smaller because of tire prices mostly to 275 60 20. The prices here in Canada bounce up really high in the 55 class of each other and since I plan to only use my 20s for city driving, wanted the best bang for my buck...

Taco & wheel specs:
2002 Tacoma 4x4 quad cab
3" lift front + 2.5" level in the back
Wheel: 20x9 +10 offset

Appreciate any info
thanks
Mike