Then probably you are calculating 195/60 nearest match to OEM in terms of Odometer reading only.
I believe you have no idea what effects a 195 would have on your handling. The steering will keep on wandering on highway speeds and that too with corrected toe and camber.
Plus, on the stock rim 5J = 5" wide, the 195 is out of bounds and will cause the side wall to have more de-shaping even you have the pressure correct. The below will be tyre shape at factory spec pressure.
A 5J wide rim only supports 3 profiles. 165/175/185. With 175 the optimum. And even if you think of changing the rim width with alloys, what about the Rim offset that you could not calculate. The false rim offset will cause your control arm ball joints to wear quickly. The stock offset is +45. For a wider rim, you have to change that to keep the scrub radius same. Tricky right??
A wider tyre (yet unmatched to rim width and thus improperly shaped) will make you feel a less predictable steering during cornering. (To the readers from Lahore, if you come from Expo to Shaukat Khanam, and take the turn near Expo CNG at 90-100, that is when you need a firm steering to keep it in the right most track).
All above written is not based on theory but experience. You can go through my thread where i had to sell only an 8k driven set and downgrade to 185 Yokohama.
https://www.pakwheels.com/forums/wheels-tyres-suspension-parts/192795-wts-dunlop-sp-sport-490-195-65-r15
