? about amount of chain clearance to rear tire?

Hi everyone. I have a Schwinn road bike that looks like a mountain bike kind of. Keep in mind I'm still kind of new to all this. I just got a brand new rear wheel and tire and am having slight issues with the chain being a lil too close to my tire for my liking. I have a manic mechanic sprocket adapter for my rear sprocket which is chained to the EZ Qmatic. I would say i have about 1/4" clearance from the edge of the chain to the tire. Is that way too close or is that ok? I can take some washers and use them as spacers on the adapter to move it from the tire but then i run into the problem that the chain will now be about 1/4" from the seat post. If you guys have any ideas please share. I'm kinda freakin out a lil in the inside since i just dropped a ton of money into all of this. well..... i guess we all have... but any help would be very cool. oh.. i have a couple of ideas through alll the research i've been doing. please let me know what you think.

1. use washer to move chain away from tire.. ok cool.. check.

2. i heard that whizzer i believe cuts groves in the seat post to allow a little more clearance. has anyone heard about that? and would that be a good or bad idea?

3. some people said they would create an aluminum plate to protect tire.

4. or i'm thinking just buy a brand new frame so i have clearance no matter what.. but that entails a lot more money AHHHHHH!!!!!!

5. i have an arch chain tensioner.. so can i have the wheel of the tensioner pushing down on the top part of the chain since i have tons of room on the lowest part of the seat post area.

Thank you all for your time.

Brodie

hey guys thank you for posting. what i ended up doing is taking my GF's car jack and very carefully spreading the seat stays/back drop I believe the technical term is called. it ended up widening that area to give me very nice clearance on both sides of the chain. Oh and I ended up putting 3 washers on the Hub adapter between the 3 posts and the sprocket. That def helped a lot. Gave me about 1/8" extra room.

@tim turbo..... thank you so much. I now have just a bit over 1/4" so seeing you say a 1/4" is really good really takes a load off.
@lenny9651.... i've been doing a lot of riding and I'm very stoked to say there has been no tire rubbing. which makes me very happy because i just spent a bunch of money on new rims, spokes, hub and bontager h2 tires.

Thank you very much guys for the help. It's very appreciated.