I agree, but I think that a lot of it has to do with the offset on after market wheels... Sometimes it seems that they do not make them with the same offset as factory... I prefer to keep them inside the wheel wells too... Otherwise anything wet that you drive through is going to be all over the sides... Even just the slightest water..
I prefer my tires slightly outside of the fenders. I had one instance where an elderly Asian man merged into my lane without looking and basically just hit and rubbed on the sidewall of my tires when I had my H3. The guy was driving a pretty nice Lexus we made eye contact and he just waved me away saying it’s all good he knew he fucked up and there was no point both stopping on the freeway. I drove away clean and he had tons of rubber swirl marks from my tires along the side of his car chances are he was able to just buff them out but at least there was no collision or denting to fix. So now I’m definitely biased to having the tire stick out a little bit. This seems like a better option then having all the little protective do dads people out on their vehicle to “protect” it.