it should definitely clear the brakes, i think the cutoff for 16x7s are +42, currently im running +40s and i'm clearing it by like 2mms.
you shouldn't be using spacers for daily runaround as the hub is suppose to hold the wheel on not the studs you are risking shedding one of them off.
i've ran 205/45/16s before and my car is lowered as well, it does rub on the rear but i try to keep rear passengers to a minimal but it gives the car a nice look as it fills the guard, if you run 205/40/16 then it won't rub (what i'm using atm) but it doesnt fill the guards and it gives a very very firm ride
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