Yes that would work fine, the offset is not aggressive though. It wont rub unless you also plan to lower it and then that depends how much you lower it.
Personally I think 20" is the best looking size wheel to go with, although it really needs to be lowered as well to finish the look.
A lower offset means the wheel is more towards the wing or fender as you say and higher offset is more set in. Stock is +45, Stock wheels are very set inwards hence the large gap from the fender to the wheel. So you will come out a little more.
Im running 20x9 +24 front 20x10.5 +27 rear
As you can see my wheels are very close to the fender