I think you guys are talking about two different things here.
The OP was asking about clearance up from the ground not around the perimeter of the tire.
Clearance around the tire is for tire deflection under dynamic load (tire deflection at touch down), so you would only do it differently for different runway surfaces, if you only planned to land harder on grass runways.
Trimming for a larger gap to the tire around the perimeter would have a small effect of changing the clearance above the ground, but not much.
As for an answer to the original question... I do not know what the norm is without taking a measurement, but 1.25" sounds a little close.