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I am aware of the specifications that you point out. The one thing that is missing from the discussion is that a lower profile tire which has a stiffer sidewall will sit higher under the car's weight and compared to a bulging sidewall 205/75 14 the choice of a 195/65 14 is not going to ride much lower, or spin at a smaller diameter considering the free standing specifications.
I still hold firm on my comment that a 195/65-14 is a good choice and well matched with the Volvo 14" wheels and close to the +1 recomended 195/60 15 for either the sedan or wagon. A good choice would also be a 205/60-14 on a 6" rim.
Go measure the height of a stock 185/14 tire from the ground up to the center of the hub. It is not much different than a 195/60-15. When you use a 205/xx on a 14 inch, this value is a LOT higher, because the load rating is higher, and the displacement of the weight squishes out the sidewall less. That's why you need to think of keeping the sidewall section consistent under load, and not necessarily the width or overall height. So going to a 205xxx, you should also change the rim width and run the lower profile tires with comprable sidewall section.
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'89 245 Sportwagon, '96 960 sedan
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