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it depends on if you're lowered and what springs, if you are. The higher the offset, the less the wheel sticks out.
I run an 18x8" wheel with +45 offset and df210 springs. There's no way I could go with a lower offset or spacer without rubbing.
A hub ring is a small ring that sits on the inside of the wheel and just helps to center the wheel on the hub of the car. It's doesn't affect spacing or offset. Most wheels for Scions need them unless you're going custom made or just luck up on a brand that does them in our hub size.
for the most part, any wheels that were on a tC will fit the xD just fine. the bolt pattern is the same, 5x100.
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