Trying to get new wheels/tires/lift in my budget

New to forums don’t know if this is where this belongs.

So I started modifying my 2018 OR shortbed Tacoma. I would like to get new wheels/tires in 285/75r16 and a 2.5 inch lift front and 2 inches rear. I prefer no rubbing but i’m willing to trim a tiny bit. The issue is my overall budget is 3,000$ . If I really need to I could do 3,500$ however I wouldn’t be very comfterble doing that. A local shop will be doing my lift. Another thing is I don’t know what kinda of lift to get. I do beginner offroading/Overlanding about 4 days of the month but will probably increase that to around 6 or 7 days of the month and increasing in difficulty. I don’t haul things very often in the bed but will be adding weight like bedrack rooftop tent etc. is it possible to get a lift that does what i’m looking for while getting new wheels and tires all under about 3,000$?

 

https://www.headstrongoffroad.com/

 

So heres my thoughts on a price breakdown:
5100 with OME coils w/deaver AAL no UCA - $775
Shop install of lift - $700-1000?
Wheels - $700-1000
Tires - $800-1000
CMC to fit 285s - $200-300

Total - $3200-4000

If you do the lift install yourself you can save a ton of money. If you're even slightly mechanically inclined its easy, just take a little time.

If you do go with a shop installing the lift, its probably worth having them do the ECGS bushing at the same time, so add another $200-300 probably.

I'd probably say go with tires and lift for now and get wheels later. I personally got the wheel vinyls and spacers to hold me over until I get wheels.

 

Keep the wheels you have, save the money for more important stuff.

Tacoma's have very limited payload and it is easy overload them, modifying the suspension doesn't change that. A 2 door Jeep Wrangler is rated at about the same payload as most Tacoma's. The 4 door Wranglers have a higher payload than most Tacoma's. When you start adding roof top tents and other toys you're going to be overweight before you even start with the driver, passengers, and cargo. Keep it simple and light.

 

So if I keep the stock wheels will the 285 rub the stock UCA?

and before I start adding on weight what do you recommend is the best method of preventing overload? Things that are a definite are a cab height bed rack because I put a 10ft boat in the bed and it’s too tall. 120lb rooftop tent, a small front bumper, rocksliders and a few other things but nothing notably heavy besides cargo

I can do a cmc myself

I haven’t done any suspension work before on trucks
Only thing i’ve done is replace shocks on my car