After I finally get the Calmini 3" lift in my 95 Vitara, I will get some muds.

Calmini says to fit 30" x 9.5 rim offset 3" - 3.5"

Does anyone know if I could fit 31" x 10.5 on it with out doing any panel work and what rim offset it would need?

It has a ARB Bullbar and I don't care if I have to cut the rear bumper.

Also with the 3" lift should I allways run 30" or 31" or can I use the 205/75/15 (current tyres on car) for driving on the street?

I have a 95 Geo Tracker and I have the 2 Inch Calmini lift on it. I am running 31x10.50 Mud King XT on 7 inch Rally wheels. Thats right, 31s on a 2 inch lift. The rear tires cleared fine but the front tires didn't. There is a lip on the inside of the front bumper that has to be be ground down smooth. I used just a normal hand grinder. It looks like factory. It also rubbed just a little on the inside of the fender, so I took the plastic fender molding out and cut out the part that was rubbing with just a hand saw. Then I put the plastic molding back in place. You cant tell that I did it. If you have anymore questions I would be happy to help.  

I'm running 32"x10.5 mongrels with a 7" rim with a 4" backspace, works fine although I'd like to change my  rims to a 2.75 or 3 backspace just to get a bit more track width in it.

My 32" mongrels measured about  31.5 with a bit of wear on them when I fitted them and cleared with no problem.

If I was going to Simex's or Swamper's I'd probably drop back to a 31" to avoid cutting or bashing, I tried a 32" Swamper on 7" with 2.5" backspace and it fouled the guard a little.

I have a few pixs if you want to see how much they stick out etc... Let me know and I'll post them.