I'm looking to put new shoes on my mostly stock '96 2500 4x4 CTD. Presently running the stock size 245's, but would like to jump to 285/75-16's if possible. To do this, I've got to replace the stock wheels to get more rim width. I'm a fan of good ol' black steel wheels... both cost and appearance. Something like these in 16x8?

So, my questions are:

1) Will 285/75-16's run OK without rubbing, or should I make a smaller jump to 265's?
2) What backspacing/offset do I need to look for in the wheels? Or is this a fairly non-significant concern?
3) Any comments on load capacity with the steel wheels vs forged/cast alloy options?