I am running Nitto NT05 255/40/17s. I rub on the driver side only. It also rubbed with 245/45/17 Khumos.
$.02 worth of PVC pipe to make a limiter, or $10-ish for real limiters would fix it for me.

Your car may vary depending on the rack, rack centering, and the exact tires. 245 on one brand is actually different than 245 on another.

I would consider it a non-issue. The AL won't hurt the tire and the tire won't hurt the AL beyond a black mark. You can feel it when you get there, so you just back off a hair. If you have power steering, you should not go to the locks anyway.

But, if it is something that will bug you, go for it.