So the metal tab is enough to keep the liner in place? Do I need to remove the tires to do this?There's a super easy 10 minute hack for more upward clearance.
In the top picture where you show the plastic clip and liner. Take the clip out. Stack the liner over instead of under the metal fender tab. With your fingers, you should be able to bend the metal tab up further.
That's it. No need to put the clip back which eats up clearance itself. This should hold the liner up that much higher.