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Living in the city I suggest to not bother with lowering. Any amount that makes any visual difference will just make your ride crap with all of the potholes and you'll just be doing more snow plowing in the winter nevermind when it becomes necessary to park on a street on top of or in between uncleared snow banks.
No rubbing issues assuming that you go with a conservative offset. You can also lower with quality springs which will give you a mild drop yet still retain ride comfort and improve your handling. If youre concerned with ride quality id focus more on the type of tire you use.