Yep, it's designed for bikes with disc brakes, but I bought mine thinking (maybe erroneously....) some extra clearance from the wheel would be a good thing at minimal expense (in terms of cost, weight and size).

The only concern I had was if the extended/widened mounting part of the rack (at the bottom where it bolts onto the eyelets on the dropout) which affectively moves the rack supports away from the wheel would be strong enough to support my intended loads. Sorry this is difficult to explain and a picture would do a better job..... but suffice to say with the ~40lb load it easily handles I'm confident it would support another 20lbs without too much problem.

So am I along with many thousands of others. However, you will easily learn the lingo and whatever else soon enough and will be able to help others
who are coming along in their bicycling journey as well.

I think fietsbob is giving some good advice in principle: If you can support your local, 'brick-n-mortar' bike shop that's the better solution than going with online warehouse-retailers because they/their expertise can really save you some hassle. As you probably already know, be aware the LBS is most likely going to "sell"/advise you on what they have in stock or can get in a day or two. Which again, *if* it is the right solution for your need, is probably better for you in the end (having a local bike shop/expert nearby has significant intrinsic value).