In my experiance 195/40's can make all the difference when your running very low with 6.5J rims. They sorted my front wing clearance problems 100% on the red one but at the same time the ride wasnt the best. With your rims only being 6J I imagine the 195/45 will be fine. As the cars your daily user I imagine you'll want as much comfort as you can get! All in all a good choice fella you cant go far wrong with toyos. ;)