I'm on swift with 20mm front and 25mm rear , no rubbing and the car feel awesome.
20mm bolt-on did not worked for me in front, a least not the Z1,
sold the 20mm bolt on and got the spacers with extended studs.
see the pics of the wheels with 20mm bolt-on
My opinion
Front 20mm with extended studs, Rear 25mm bolt-on
hope this help
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