I work at a dealer and we have a tire center. There are two possible solutions that I see.
1) Get different wheels with a bigger offset- deeper center and more wheel lip. This will push your tires out farther from the center line of the hub, the same thing spacers do but without the weak link...
I have an Amerihide 1-1/2" double thickness leather belt that is worn everyday, regardless of whether I am carrying or not. Before this one, you couldn't have convinced me of how great it is. I'm sold on these.
https://www.dissegear.com/product-category/1-5-dual-layer-gun-belts/
Definitly suck it up and get the 5.0. I have a 2011 fx4 and its my daily driver. I cant say anything bad about it. I don't know what your price range is, but my cousin has a 2011 lariat 4x4 5.0 for sale with about 60k on it and its like- new clean. He just wants payoff, as he's building a house...