[Sovereign]

I would recommend what others have already suggested since you want to retain load carrying capability.

Keep in mind that it's overall diameter of the wheel/tire that matters most. I'm on 20's but have taller tires than what most run it seems. My overall diameter is a little over 28". I have slosh mild tubz in the front with only a 4.5" drop so that I could actually have suspension travel without riding on the bump stops or hitting the inner fenders. With a 3" drop, you could run a 28" tall tire and not have issues except on the worst of bumps. Go with a 27" tall package and it'll be sure to clear. The only problem then, is does it fill the well the way you want? I wanted the tops of my tires tucked period. Having the rim come close to the well, like the black truck pictured, is an added bonus and helps make the truck seem lower. With 20's you'll have move of a gap between the well and rim. Make sense?

The point being, think about what you want and work towards it but keep in mind how you'll affect other areas. Be careful being "tricked" visually. This black truck you posted is not low. Yeah, it looks great, but if bringing the tailgate lower to the ground to help facility loading a bike is a goal, you'll make very little progress following that truck's recipe.