My 205/40R16 (Nankang NS2) over 8":
If you go for 195, get 195/40R16. They exist but they are a rare size and may cost a fortune if there are any. Otherwise, just get 205/40R16. 195/45R16 will actually provide less clearance than a 205/40R16 since the sidewall is taller.
Also, I've found Falkens to look the best when stretched.
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