I tried Unikeep binders for a year or so, and stopped using them largely because of what you mentioned - the internal tabs rub up against the pages, which can cause damage and make the binders hard to close. Also, maybe I just had a bad batch, but on two out of the three binders that I bought, one of the three plastic ring-latching mechanisms broke, and stopped fastening shut. I also found that the binders didn't shut well in general. In the end, I really liked the idea of being able to do customized covers/spines, but it wasn't worth the downside.
I'm using these now and, although they're a little more expensive, the quality and protection is definitely worth it:
Archival Methods Binders & Slip Covers