I've been trying to figure this one out too. From what I've heard, stock alloy wheels have 4.5 backspacing on a 7 inch wide wheel. That puts your stock front tires about 1 inch inside the fender flares.
Wider tires like 31's will extend inward and outward from the wheels. Therefore, about .5 inch inside the fender flares.
Most aftermarket wheels are 8 inch wide. If you get 4.5 inch backspacing, the inside of the wheel will be in the same place, but the outside of the wheel will be an inch farther out. 31's on these will be about even with your flares. 32's will be .5 inch past the flares.
Go to 4 inch backspacing, and your 31's are .5 inch outside the top edge of the flares. 3.5 backspacing of course pushes them out farther.
Some stores do measure by "standard offset, positive and negative." Standard to them means that on an 8 inch wheel, the mounting point is dead center at 4 inch. Then they measure positve or negative from there. Its a little confusing, but if you have to, bring a tape measure.
Randimal
"I have a mind like a steel....uh....animal catcher thingee...."