I'm personally not comfortable with less than 6 inches of clearance. I recently reported in another thread that we have 9 inches clearance but that was wrong. With the prior truck (4x2) we had 9 inches. With this one (4x4) we have 7. It's plenty comfortable.
There's a couple of things you can do. The hitch in the bed should have some adjustments to raise the hitch. And the pinbox on the Montana has some adjustments to lower the pin. Either/both will give you some more clearance. You don't want to get the nose too high but adding two or three inches probably won't be enough to worry about, in my opinion. Ours is slightly nose high but not much, maybe an inch or two.
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